# EDGAR Filing Document

**Accession Number:** 0002123615
**File Stem:** 0001539497-26-001150
**Filing Date:** 2026-4
**Character Count:** 6260962
**Document Hash:** 8f4434d43dae7204cb6e4f965c996b33
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-26-001150.hdr.sgml**: 20260417

**ACCESSION NUMBER**: 0001539497-26-001150

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

**PUBLIC DOCUMENT COUNT**: 107

**CONFORMED PERIOD OF REPORT**: 20260417

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

**FILED AS OF DATE**: 20260417

**DATE AS OF CHANGE**: 20260417

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Loan Funding Structure LLC
- **CENTRAL INDEX KEY:** 0002123615

**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:** 025-08421
- **FILM NUMBER:** 26872665

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Loan Funding Structure LLC
- **CENTRAL INDEX KEY:** 0002123615

**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:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Loan Funding Structure LLC
- **CENTRAL INDEX KEY:** 0002123615

**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:** 025-08421

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

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

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

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

_______________________ to _______________________

Date of Report (Date of earliest event reported) _______________________

Commission File Number of securitizer: _______________________

Central Index Key Number of securitizer: _______________________

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

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

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

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

<u>X</u> Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of sponsor: 0002123615 (Loan Funding Structure LLC)

BRAVO Residential Funding Trust 2026-NQMR1

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

Central Index Key Number of issuing entity (if applicable): _______________________

Central Index Key Number of underwriter (if applicable): _______________________

Michael Chiao, Authorized Person, 949-720-6974

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

**INFORMATION TO BE INCLUDED IN THE REPORT:**

---

| | |
|:---|:---|
| **Item 2.01.** | **Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer** |

---

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as an Exhibit to this Form ABS-15G. Please see Item 3, Exhibits 99.1, 99.2, 99.3, 99.4, 99.5, 99.6, 99.7, 99.8, 99.9 and 99.10 for the related information.

Item 3. Exhibits

99.1 Disclosures required by Rule 15Ga-2 for Digital Risk, LLC

Schedule 1 – Narrative

Schedule 2 – Rebuttal Findings Report - Loan Summary

Schedule 3 – Rebuttal Findings Report - Exception Report

Schedule 4 – Data Integrity Report

99.2 Disclosures required by Rule 15Ga-2 for Evolve Mortgage Services

Schedule 1 – Narrative

Schedule 2 – Rating Agency Grades

Schedule 3 – Exception Detail

Schedule 4 – Valuation Report

Schedule 5 – Data Compare

Schedule 6 – QM ATR Data

Schedule 7 – Business Purpose Data

99.3 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC

Schedule 1 – Narrative

Schedule 2 – Lease Securitization Report – Exceptions and Grades

Schedule 3 – Lease Securitization Report – Exception Grades

Schedule 4 – Lease Securitization Report – Valuation

Schedule 5 – Lease Securitization Report – Data Compare (Non-Ignored)

Schedule 6 – Credit Comp Securitization Report – Exceptions and Grades

Schedule 7 – Credit Comp Securitization Report – Exception Grades

Schedule 8 – Credit Comp Securitization Report – Valuation

Schedule 9 – Credit Comp Securitization Report – Data Compare (Non-Ignored)

Schedule 10 – Guideline (SBC) Report – Exception and Grades

Schedule 11 – Guideline (SBC) Report – Exception Grades

Schedule 12 – Guideline (SBC) Report – Valuation

Schedule 13 – Guideline (SBC) Report – Data Compare (Non-Ignored)

99.4 Disclosures required by Rule 15Ga-2 for Selene Diligence LLC

Schedule 1 – Narrative

Schedule 2 – Rating Agency Grades

Schedule 3 – Standard Findings Report

Schedule 4 – Valuation Report

Schedule 5 – Rating Agency Multi-Property Valuation Report

Schedule 6 – MLS Report

Schedule 7 – Supplemental Data Extract

Schedule 8 – Multi-Property Data Extract

Schedule 9 – Business Purpose Supplement

Schedule 10 – Data Compare Report

99.5 Disclosures required by Rule 15Ga-2 for Covius Real Estate Services, LLC

Schedule 1 – Narrative

Schedule 2 – ATR QM Report

Schedule 3 – Exceptions Report

Schedule 4 – Grades Report

Schedule 5 – Loan Level Exceptions Report

Schedule 6 – Tape Compare Report

Schedule 7 – Valuation Report

Schedule 8 – Business Purpose Supplement

99.6 Disclosures required by Rule 15Ga-2 for Canopy Financial Technology Partners, LLC

Schedule 1 – Narrative

Schedule 2 – Supplemental Data Extract

Schedule 3 – Rating Agency Grades Detail

Schedule 4 **–** Rating Agency Grades Summary

Schedule 5 – Valuation Report

Schedule 6 – ATR or QM Report

Schedule 7 – Data Compare Report

 

99.7 Disclosures required by Rule 15Ga-2 for Infinity IPS, Inc.

Schedule 1 – Narrative

Schedule 2 – Rating Agency Grade

Schedule 3 – Loan Level Exception

Schedule 4 – Individual Exception

Schedule 5 – Valuation

Schedule 6 – Data Compare

Schedule 7 – Supplemental Data

 

99.8 Disclosures required by Rule 15Ga-2 for Clayton Services LLC

Schedule 1 – Narrative

Schedule 2 – Conditions Report – Conditions Summary

Schedule 3 – Conditions Report – Conditions Detail

Schedule 4 – Conditions Report – Loan Grades

Schedule 5 – Conditions Report Compliance – Conditions Summary

Schedule 6 – Conditions Report Compliance – Conditions Detail

Schedule 7 – Conditions Report Compliance – Loan Grades

Schedule 8 – Non-ATR QM

Schedule 9 – Rating Agency ATR QM

Schedule 10 – Valuations Summary

Schedule 11 – Waived Conditions Report

Schedule 12 – Loan Level Tape Compare

Schedule 13 – Standard Upload

Schedule 14 – Custom Upload

 

99.9 Disclosures required by Rule 15Ga-2 for Incenter Lender Services LLC

Schedule 1 – Narrative

Schedule 2 – Exception Report

Schedule 3 – Exception Report - Loan

Schedule 4 – Rating Agency Grades

Schedule 5 – Final Tape Compare

Schedule 6 – Supplemental Data

Schedule 7 – QM ATR

Schedule 8 – Valuation Summary

99.10 Disclosures required by Rule 15Ga-2 for Opus Capital Markets Consultants, LLC

Schedule 1 – Narrative

Schedule 2 – RA Grading

Schedule 3 – Exception Report

Schedule 4 – Valuation

Schedule 5 – ATR QM

Schedule 6 – Data Compare

**SIGNATURES**

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

Dated: April 17, 2026

---

| |
|:---|
| &nbsp;&nbsp;**Loan Funding Structure LLC** |
| &nbsp;&nbsp; (Securitizer) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> By: <u>/s/Michael Chiao</u>  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Name: Michael Chiao |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title: Treasurer |

---

**EXHIBIT INDEX**

**Exhibit Number**

99.1 Disclosures required by Rule 15Ga-2 for Digital Risk, LLC

Schedule 1 – Narrative

Schedule 2 – Rebuttal Findings Report - Loan Summary

Schedule 3 – Rebuttal Findings Report - Exception Report

Schedule 4 – Data Integrity Report

99.2 Disclosures required by Rule 15Ga-2 for Evolve Mortgage Services

Schedule 1 – Narrative

Schedule 2 – Rating Agency Grades

Schedule 3 – Exception Detail

Schedule 4 – Valuation Report

Schedule 5 – Data Compare

Schedule 6 – QM ATR Data

Schedule 7 – Business Purpose Data

99.3 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC

Schedule 1 – Narrative

Schedule 2 – Lease Securitization Report – Exceptions and Grades

Schedule 3 – Lease Securitization Report – Exception Grades

Schedule 4 – Lease Securitization Report – Valuation

Schedule 5 – Lease Securitization Report – Data Compare (Non-Ignored)

Schedule 6 – Credit Comp Securitization Report – Exceptions and Grades

Schedule 7 – Credit Comp Securitization Report – Exception Grades

Schedule 8 – Credit Comp Securitization Report – Valuation

Schedule 9 – Credit Comp Securitization Report – Data Compare (Non-Ignored)

Schedule 10 – Guideline (SBC) Report – Exception and Grades

Schedule 11 – Guideline (SBC) Report – Exception Grades

Schedule 12 – Guideline (SBC) Report – Valuation

Schedule 13 – Guideline (SBC) Report – Data Compare (Non-Ignored)

99.4 Disclosures required by Rule 15Ga-2 for Selene Diligence LLC

Schedule 1 – Narrative

Schedule 2 – Rating Agency Grades

Schedule 3 – Standard Findings Report

Schedule 4 – Valuation Report

Schedule 5 – Rating Agency Multi-Property Valuation Report

Schedule 6 – MLS Report

Schedule 7 – Supplemental Data Extract

Schedule 8 – Multi-Property Data Extract

Schedule 9 – Business Purpose Supplement

Schedule 10 – Data Compare Report

99.5 Disclosures required by Rule 15Ga-2 for Covius Real Estate Services, LLC

Schedule 1 – Narrative

Schedule 2 – ATR QM Report

Schedule 3 – Exceptions Report

Schedule 4 – Grades Report

Schedule 5 – Loan Level Exceptions Report

Schedule 6 – Tape Compare Report

Schedule 7 – Valuation Report

Schedule 8 – Business Purpose Supplement

99.6 Disclosures required by Rule 15Ga-2 for Canopy Financial Technology Partners, LLC

Schedule 1 – Narrative

Schedule 2 – Supplemental Data Extract

Schedule 3 – Rating Agency Grades Detail

Schedule 4 **–** Rating Agency Grades Summary

Schedule 5 – Valuation Report

Schedule 6 – ATR or QM Report

Schedule 7 – Data Compare Report

 

99.7 Disclosures required by Rule 15Ga-2 for Infinity IPS, Inc.

Schedule 1 – Narrative

Schedule 2 – Rating Agency Grade

Schedule 3 – Loan Level Exception

Schedule 4 – Individual Exception

Schedule 5 – Valuation

Schedule 6 – Data Compare

Schedule 7 – Supplemental Data

 

99.8 Disclosures required by Rule 15Ga-2 for Clayton Services LLC

Schedule 1 – Narrative

Schedule 2 – Conditions Report – Conditions Summary

Schedule 3 – Conditions Report – Conditions Detail

Schedule 4 – Conditions Report – Loan Grades

Schedule 5 – Conditions Report Compliance – Conditions Summary

Schedule 6 – Conditions Report Compliance – Conditions Detail

Schedule 7 – Conditions Report Compliance – Loan Grades

Schedule 8 – Non-ATR QM

Schedule 9 – Rating Agency ATR QM

Schedule 10 – Valuations Summary

Schedule 11 – Waived Conditions Report

Schedule 12 – Loan Level Tape Compare

Schedule 13 – Standard Upload

Schedule 14 – Custom Upload

 

99.9 Disclosures required by Rule 15Ga-2 for Incenter Lender Services LLC

Schedule 1 – Narrative

Schedule 2 – Exception Report

Schedule 3 – Exception Report - Loan

Schedule 4 – Rating Agency Grades

Schedule 5 – Final Tape Compare

Schedule 6 – Supplemental Data

Schedule 7 – QM ATR

Schedule 8 – Valuation Summary

99.10 Disclosures required by Rule 15Ga-2 for Opus Capital Markets Consultants, LLC

Schedule 1 – Narrative

Schedule 2 – RA Grading

Schedule 3 – Exception Report

Schedule 4 – Valuation

Schedule 5 -- ATR QM

Schedule 6 – Data Compare

## Exhibit 99.1

**Exhibit 99.1**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Loan Funding Structure LLC. This review included 2 residential mortgage loans, in connection with the securitization identified as BRAVO 2026-NQMR1 (the "Securitization"). The reviews began on February 6, 2018, and concluded on January 25, 2021.

**Scope of Review**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Scope** | &nbsp;&nbsp;**Loans Reviewed** |
| &nbsp;&nbsp;Compliance and Data Only | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Data Only Review | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Total loan reviews** | &nbsp;&nbsp;**2** |

---

Digital Risk performed the below servicing related reviews:

I. Credit and Compliance Review

The Compliance Review was based on the vintage of the Loan. In general, Loans will be categorized as "TRID," "RESPA," or "Pre-RESPA," to identify the primary regulatory environment for the Loan. Digital Risk also reviewed Loans for compliance with additional applicable regulations.

**A.** **TRID Requirements** 

This section is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). For TRID Loans, the Compliance Review will include:

&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

● Review the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial LE are completed; and (iii) the Initial LE accurately reflects the information provided to Digital Risk

● If there is a Revised LE, confirm (i) that there is a "valid reason" for the Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

● Determine which LE in the file is the "final binding" LE for the purpose of Tolerance Testing. A Revised LE that is issued after the CD, or that does not state a valid reason for why it was used, will not be used for the purposes of Tolerance Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

● Confirm initial LE was delivered within three (3) business days from the application date, and at least seven (7) business days prior to the consummation date.

● Confirm revised LE was delivered within three (3) business days from date of the "valid reason" giving rise to the Revised LE, and at least four (4) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Review the CD review and confirm (i) the correct form was used; (ii) all sections of the CD are completed;
and (iii) the CD accurately reflects the information provided to Digital Risk.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If a subsequent CD is issued, confirm (i) that there was a valid reason for the change; (ii) that the
CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires a new 3-day waiting period prior
to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm Initial CD, and any subsequent CD with material changes (i.e. changes that require a new waiting
period), was received at least three (3) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Tolerance Testing</u> 

● Compare the fees disclosed in the final binding LE to those in the final CD, and confirm that final CD fees are within the permitted tolerances.

&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Subsequent Changes</u> 

● Review the file to determine (i) whether there is evidence that certain changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator followed the prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> ").

&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Exclusions</u> 

For TRID, Digital Risk will not test:

● Loan types that are excluded from compliance with TRID:

● Technical formatting of disclosures.

● Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer and partial payment notices.

● For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January 1, 2016, Whether prohibited fees were collected prior to the initial LE being issued

● Whether any fee is a "bona fide" fee for third-party services

B. <u>RESPA 2010 Requirements</u> 

This section is applicable to Loans originated between January 1, 2010 and October 2, 2015, which are subject to the Real Estate Settlement Procedures Act (2010) ("RESPA 2010"), aka Regulation X ("<u>RESPA 2010</u>"). For RESPA 2010 Loans, the Compliance Review will include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Good Faith Estimates ("GFEs")</u> 

Confirm the presence of the current GFE form in effect at the time of origination, and verify timely delivery of the initial GFE to the borrower (within three (3) business days of application).

Verify that all broker fees were accurately disclosed and reflected in the appropriate locations, including Yield Spread Premium ("<u>YSP</u>"). Ensure fees are reasonable and customary fees for the lender, title company, and escrow company, and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the GFE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Revised GFEs</u> 

If the file contains a revised GFE:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Determine whether the file requires evidence of "Changed Circumstances" due to an unexpired
rate lock, and if so, determine whether the file contains evidence of valid Changed Circumstances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm that the revised GFE was delivered to the borrower within three (3) business days of (i) the Loan
originator receiving information sufficient to establish the Changed Circumstances, or (ii) the borrower locking in a new rate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Final HUD-1</u> 

Verify that the correct HUD-1 form was used, and that the Final HUD-1 accurately lists all fees disclosed on the GFE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u> 

Compare the fees disclosed in the final binding GFE to those in the final HUD-1, and confirm that final HUD-1 fees are within the permitted tolerances.

Confirm that all fees are accurately reflected in the correct tolerance category on the GFE and HUD-1, and that Loan terms are accurately disclosed between the GFE and HUD-1. If applicable, determine the cost for the Loan originator to cure tolerance or other violations, and verify documentation of appropriate restitution to the borrower.

C. <u>Other TILA Requirements</u> 

Digital Risk reviewed all Loans for compliance with the below general Truth in Lending Act ("<u>TILA</u>") requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Truth in Lending Disclosure</u> 

● Review the Truth in Lending Disclosure; Determine if executed by all required parties.

● Recalculate APR and Finance Charge, payment streams, principal and interest calculations; compare to the Loan originator's original disclosed calculations, and determine if disclosure differences are within allowed tolerances.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Notice of Right to Cancel (Rescission)</u> 

If applicable, verify the transaction date and expiration date, ensure proper execution of the Notice of Right to Cancel by all required parties; verify the disbursement date; and determine if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Disclosures</u> 

Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures, including:

● ARM Disclosure

● Right to Receive Copy of Appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Originator License</u> 

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;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Closing Documents</u> 

Review closing documents to ensure that the Loan information is complete, accurate, and consistent with other documents, and confirm collateral documents have been recorded or

II. DATA ONLY REVIEW

Digital Risk completed a Data review consisting of capturing the below data fields from the origination loan file:

● Confirming the Application, 1008, Appraisal, AUS, Note, MI Cert and Contract (If Applicable) were present in the loans file.

● Lender

● Note Date

● Borrowers credit scores

● Borrowers first and last names.

● Amortization Term

● Amortization Type

● Lender Calculated LTV and CLTV

● Lender Calculated DTI

● First Payment Date

● Original Interest Rate

● Appraised Value

● Maturity Date

● Lender Calculated Total Income

● Property Address

III. Summary of Results

**Final Loan**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp; Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$48000.00 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp; Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp; Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp; Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp; **Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$48000.00 | &nbsp;&nbsp;100% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp; Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$48000.00 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp; Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp; Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp; Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp; **Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$48000.00 | &nbsp;&nbsp;100% |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &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. |

---

## Exhibit 99.1

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| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Last Name** | **Note Date** | **Original Loan Amount** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | **Compensating Factors** | **Final Rating** | **Final Credit Rating** | **Final Compliance Rating** | **Final Property Valuation Rating** | **Final Credit Grade (Moody's)** | **Final Property Valuation Grade (Moody's)** | **Final Credit Grade (S&P)** | **Final Property Valuation Grade (S&P)** | **Final Credit Grade (Fitch)** | **Final Property Valuation Grade (Fitch)** | **Final Credit Grade (DBRS Morningstar)** | **Final Property Valuation Grade (DBRS Morningstar)** | **Final Credit Grade (KBRA)** | **Final Property Valuation Grade (KBRA)** |
| 611241 | XXXX | XXXX | XXXX | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | N/A | N/A |  | 1 | N/A | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

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## Exhibit 99.1

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Final Findings Grade** | **Final Loan Grade** |
| 611241 | 1 of 1 | XXXX | XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | 1 | 1 |

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## Exhibit 99.1

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **AUDIT NUMBER** | **Redacted ID** | **Pool ID** | **Mod Effective Date** | **Rate Renew Type** | **Rate Renew Start of Term** | **Rate Renew Balance** | **Initial Modified Rate Effective Date** | **Deferred Amount** | **Mort Modifications Flag** | **Modification Type** | **ARM Loan Terms Modification** | **Mod ARM Period Cap** | **Mod First Payment Reset date** | **Mod First Rate Reset Date** | **Mod Gross Margin** | **Mod Initial Adjustment Period** | **Mod Initial Rate Reset Cap** | **Mod Lifetime Max Rate Increase** | **Mod Interest Only Months** | **Mod Maturity Date** | **Mod Maximum Rate** | **Mod Minimum Rate** | **Mod Pay Reset Frequency** | **Modification Date Effective Date** | **Modification Document Missing** | **Modification Documents Final Signed** | **ARM Fixed Rate** | **Interest Rate at time of Mod** | **Initial Modified Interest Rate** | **Rate Renew Balance at Last Rate Renew** | **Modified P&I Payment** | **Modification First Payment Date** | **Is Modification a Step Rate Mod** | **First Step effective Date** | **First Step Interest Rate** | **Second Step effective Date** | **Second Step Interest Rate** | **Third Step effective Date** | **Third Step Interest Rate** | **Fourth Step effective Date** | **Fourth Step Interest Rate** | **Fifth Step effective Date** | **Fifth Step Interest Rate** | **1003** | **1008** | **Appraisal** | **AUS** | **Note** | **MICert** | **Contract** | **Original Lender** | **Note Date M** | **Borr 1 Credit Score** | **Borr 1 First Name** | **Borr 1 Last Name** | **Borr 2 Credit Score** | **Borr 2 First Name** | **Borr 2 Last Name** | **Client Loan ID** | **Amortization Term in Months M** | **Amortization Type M** | **Lender CLTV** | **Debt to Income Ratio DTI** | **Initial Rate Reset Cap** | **Initial Adjustment Period M** | **First Payment Date M** | **FIRST PAYMENT RESET DATE** | **FIRST RATE RESET DATE** | **Original Interest Rate M** | **Interest Only Flag M** | **Interest Only Months M** | **Lifetime Max Rate Increase M** | **MAXIMUM RATE** | **Minimum Rate** | **Loan Amount M** | **Lender LTV** | **Gross Margin M** | **Maturity Date M** | **Max Neg AM Limit M** | **MI Coverage Pct** | **PMI TYPE** | **Original Term in Months M** | **PAY RESET FREQUENCY** | **ARM Periodic Cap** | **LENDER MI FEE** | **Prepayment Penalty** | **Prepayment Term** | **Total Monthly Income** | **Original Appraised Value** | **Subject Property County M** | **Loan Purpose M** | **Number of Units** | **Occupancy M** | **Property Type M** | **City** | **State** | **Zip** | **Sales Price Amount M** |
| XXXX | 611241 | 1 Company Originated |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 1 | 0 | 1 | 4 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | 360 | Fixed | 94.86 | XXXX |  |  | XXXX |  |  | 3.125 | No |  | 0 |  |  | XXXX | 63.15 |  | XXXX |  | 0 | NO MI | 360 |  |  | 0 | FALSE |  | XXXX | XXXX | XXXX | PURCHASE | 1 | PRIMARY | SINGLE FAMILY | XXXX | XXXX | XXXX | XXXX |
| XXXX | 885495 | 1 Company Originated |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 1 | 4 | 1 | 4 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | 360 | Fixed | 95.68 | XXXX |  |  | XXXX |  |  | 4.125 | No |  | 0 |  |  | XXXX | 95.68 |  | XXXX |  | 0 | NO MI | 360 |  |  | 0 | FALSE |  | XXXX | XXXX | XXXX | PURCHASE | 1 | PRIMARY | SINGLE FAMILY | XXXX | XXXX | XXXX | XXXX |

---

## Exhibit 99.2

**Exhibit 99.2**

![](n5837_img001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

BRAVO 2026-NQMR1

Dated: April 16, 2026

---

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

---

![](n5837_img003.jpg)

**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 Loan Funding Structure LLC, (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the client or its designee for review.

**Sample size of the assets reviewed.** 

The final population of the Review covered 127 loans, consisting of 2 Residential Loans and 125 Business Purpose loans, totaling an aggregate original principal balance of approximately $63,995,271.00. 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"), the NRSRO 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 provided by the Client and uploaded to the diligence system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available and applicable, included the following data fields:

---

| | | |
|:---|:---|:---|
| &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 |

---

**<u>Scope of Review</u>**

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset

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![](n5837_img003.jpg)

documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine if there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

***Credit Application***

 

For the Credit Application, Evolve will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

***Credit Report***

 

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

***Borrowing Entity***

 

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

***Property Income***

 

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

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|:---|:---|:---|
| ![](n5837_img002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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![](n5837_img003.jpg)

***Valuation Review***

 

Evolve's review will include 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 will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) 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, (iv) 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, Evolve's review will (i) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) 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 (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

***Asset Review***

 

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

***Insurance***

Evolve will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

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| ![](n5837_img002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](n5837_img003.jpg)

***Title***

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

***Fraud / Criminal Background***

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check 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.

**<u>Limited Non-Owner Occupancy Certification Review</u>**

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

● Appraisal reports are reviewed in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner or tenant occupancy.

● Final Form 1003/Loan application is reviewed to ensure 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.

● Certification of Non-Owner Occupancy and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence address differs from the subject property address, and is signed/dated as required.

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

● Review additional items for confirmation of non-owner occupancy possibly including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o That the credit report address is different than the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is a lease in place if the loan is a refinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is landlord insurance on the property

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

Evolve will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by Evolve. All material discrepancies will be noted.

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| ![](n5837_img002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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![](n5837_img003.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Fitch** | **Fitch** |
| **NRSRO Grade** | **# Loans** | **% of Loans** |
| A | 2 | 1.57% |
| B | - | 0.00% |
| C | - | 0.00% |
| D | - | 0.00% |
| N/A | 125 | 98.43% |
| **Total** | **127** | **100.00%** |

---

**Credit Results Summary**

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Fitch** | **Fitch** |
| **NRSRO Grade** | **# Loans** | **% of Loans** |
| A | 113 | 88.98% |
| B | 14 | 11.02% |
| C | - | 0.00% |
| D | - | 0.00% |
| N/A | - | 0.00% |
| **Total** | **127** | **100.00%** |

---

**Property Valuation Results Summary**

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| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Fitch** | **Fitch** |
| **NRSRO Grade** | **# Loans** | **% of Loans** |
| A | 124 | 97.64% |
| B | 3 | 2.36% |
| C | - | 0.00% |
| D | - | 0.00% |
| N/A | - | 0.00% |
| **Total** | **127** | **100.00%** |

---

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| ![](n5837_img002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

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![](n5837_img003.jpg)

**Overall Results Summary**

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| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Fitch** | **Fitch** |
| **NRSRO Grade** | **# Loans** | **% of Loans** |
| A | 111 | 87.40% |
| B | 16 | 12.60% |
| C | - | 0.00% |
| D | - | 0.00% |
| N/A | - | 0.00% |
| **Total** | **127** | **100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| **Field Label** | **# Loans with Discrepancy** | **Total Time Compared** | **% Variance** |
| Amortization Type | 1 | 127 | 0.79% |
| Appraised Value | 2 | 127 | 1.57% |
| DSCR | 109 | 127 | 85.83% |
| Doc Type | 4 | 127 | 3.15% |
| Index Type | 4 | 127 | 3.15% |
| Interest Only | 43 | 127 | 33.86% |
| Loan Purpose | 1 | 127 | 0.79% |
| Maturity Date | 112 | 127 | 88.19% |
| Note Date | 9 | 127 | 7.09% |
| Occupancy | 1 | 127 | 0.79% |
| Original Amortization Term | 43 | 127 | 33.86% |
| Original CLTV | 2 | 127 | 1.57% |
| Original Interest Rate | 5 | 127 | 3.94% |
| Original LTV | 2 | 127 | 1.57% |
| Original P&I | 9 | 127 | 7.09% |
| PITI | 75 | 127 | 59.06% |
| Prepayment Penalty | 7 | 127 | 5.51% |
| Prepayment Penalty Type | 114 | 127 | 89.76% |
| Product Code | 1 | 127 | 0.79% |
| Property City | 1 | 127 | 0.79% |
| Property Street Address | 2 | 127 | 1.57% |
| Property Type | 1 | 127 | 0.79% |
| Property Zip | 1 | 127 | 0.79% |
| QM Status | 127 | 127 | 100.00% |
| Qualifying DTI | 4 | 127 | 3.15% |
| Sales Price | 3 | 127 | 2.36% |
| Self-Employment Flag | 5 | 127 | 3.94% |

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| ![](n5837_img002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

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![](n5837_img003.jpg)

**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.

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

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

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

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

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

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

ii) compliance with the escrow account and appraisal requirements;

**(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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;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) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

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

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![](n5837_img003.jpg)

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;&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;&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;&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;&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;&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.

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&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:

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

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;b) <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 loan to a first time homebuyer that contains a negative amortization
 feature;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <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 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;d) <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; and

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&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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.

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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.

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;&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;

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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 NRSROs 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.

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,

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&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.

**(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;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

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

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

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## Exhibit 99.2

![](evolve_logo.jpg)

**Rating Agency Grades**

**Run Date - 04/16/2026 8:00:47 AM**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **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** |
| 745759 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX D | N/A | N/A | N/A | N/A | N/A C D B | N/A | N/A | N/A | N/A | N/A B |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 361755 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 948977 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 933739 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 325983 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 985892 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 211245 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 343939 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 859028 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 323054 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 213148 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 816102 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 214277 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 402957 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 682473 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 396776 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 891853 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 581075 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 873215 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 848313 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 967853 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 944571 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 374092 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 128249 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164322 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 961036 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 493162 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 927880 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 214970 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 824145 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 233123 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 524757 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 714195 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 477193 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 326873 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 763450 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 463035 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 662475 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 733320 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 978616 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 105724 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 927927 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 691875 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 103812 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 987291 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 620976 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 508923 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 517014 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 635482 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 146600 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 542750 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 979802 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 901122 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 562658 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 951591 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 380746 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 139904 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 943522 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 135971 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 687633 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 680133 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 643385 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 359293 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 253301 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 943213 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844603 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 186289 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 209639 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 364088 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 678425 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 849789 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 161057 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 570860 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 696130 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 376085 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 675540 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 912164 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 867535 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 155869 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 417027 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 792954 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 577047 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 990725 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 280714 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 339707 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 451144 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 886928 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 824740 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 191529 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 106520 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 646730 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 310568 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 308645 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 753681 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 593624 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 259067 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 699848 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 462098 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 802852 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 396171 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 584781 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 366348 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 520685 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 346939 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 870349 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 536156 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 389887 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 268849 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 196919 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 573660 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 975156 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 611409 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX D | D | D | D | D | D A | A | A | A | A | A |
| 242402 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 787293 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 338396 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |

---

## Exhibit 99.2

![](evolve_logo.jpg)

**Exception Detail**

**Run Date - 04/16/2026 8:00:47 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | 6234088 | 459 | XXXXXXXXXX | Compliance | Note |  | Note - is missing - No Image of Note found in file |  | Note for XXXXXXXX name XXXXXX and property address XXX XXXXXXXX XX XXXX, XXXXXX XXXXX is missing. Incorrect XXXX in file for incorrect XXXXXXXX with address showing XXXX XXXXXXXX XX XXXXXXXX, XXXXXXXXXX XXXXX. | Information provided |  |  | 10/21/2021 |  | A | 1 | XXXXXXXXXX | HI | 3 | 1 D A | D | A |  | Exempt | 1 |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | 6250608 | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | VVOE is missing for XXXXXX XXXXXXXXXX from XXXXXXX XXX - XX days to the XXXX date of XX/XX/XX | document provided. |  |  | 11/15/2021 |  | A | 1 | XXXXXXXXXX | HI | 3 | 1 D A | D | A |  | Exempt | 1 |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | 6250610 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide documentation supporting the income of $XX,XXX.XX indicated as 'other income' for XXXXXX XXXXXXXXXX from XXXXXXX XXX and proof borrower has received it for at least XXXXXXXX. | document provided. Employer welcome letter is in the file showing his employment started with XXXXXXX XX/X/XXXX. Also, bwr received the same type of income with pervious employer verified with XXXX. |  |  | 11/15/2021 |  | A | 1 | XXXXXXXXXX | HI | 3 | 1 D A | D | A |  | Exempt | 1 |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | 6250611 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide tax statement for the property located at XXX XXX XXXX XX as taxes are not escrowed per the mortgage statement. | Property profile report provided that indicates annual tax amount. Condition has been cleared. |  |  | 11/11/2021 |  | A | 1 | XXXXXXXXXX | HI | 3 | 1 D A | D | A |  | Exempt | 1 |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | 6250613 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | BX (XXXXXXX XXXXXX) is renting out a property located at XX XXXXX XX and XXX/lease agreement is missing supporting rent payment of $X,XXX | VOR provided indicate monthly rent is $XXXX (max) per month. Condition has been cleared. |  |  | 11/11/2021 |  | A | 1 | XXXXXXXXXX | HI | 3 | 1 D A | D | A |  | Exempt | 1 |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | 6250614 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide mortgage statement (from XXXXXXXXXX) and taxes & insurance statements (if not escrowed) and XXX dues (if applicable) for the property located at XXXX XXXXXXX XX. Only payment history has been provided. | XXXX XXXXXXX XX payments are made by a third party, XXXXX payment history is in the file. |  | Reviewer 11/15/2021 09:26 AM; document still pending<br>Reviewer 11/23/2021 01:03 PM; Please provide evidence of XXXXX payment history being made by a third party. <br>| 11/23/2021 |  | A | 1 | XXXXXXXXXX | HI | 3 | 1 D A | D | A |  | Exempt | 1 |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | 6250616 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide documentation showing the X credit report liabilities for XX that were excluded from the ratios per XXXX were paid off prior to closing as only XXXXX XXXX/XX XXXX debt was included in the final XX. | Updated XXXX with additional liabilities was provided. |  | Reviewer 11/15/2021 09:26 AM; documents still pending<br>| 11/23/2021 |  | A | 1 | XXXXXXXXXX | HI | 3 | 1 D A | D | A |  | Exempt | 1 |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | 6296336 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Missing closing disclosure, XXX-X or XXXXXXXXXX XXXXXXXXX. | Information provided |  |  | 11/15/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | 6297954 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide a copy of the final loan approval document | document received. |  |  | 11/15/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | 6297955 | 258 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | Appraisal is 'XXXXXXX XX XXXXXXXXXX' and a completion certification is missing in file. | document received. |  |  | 11/15/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | 6448846 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Rent loss insurance not provided. | Documentation provided. |  | Reviewer 12/06/2021 05:28 PM; Hazard policy provided is for the borrower's primary residence. Please provide the declaration page for the subject property. <br>| 12/09/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | 6298925 | 879 | XXXXXXXXXX | Credit | Application |  | Application - Other: |  | Missing citizenship of borrower on XXXX's. | Updated XXXX provided, borrower is a permanent resident alien. |  |  | 12/06/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | 6299478 | 223 | XXXXXXXXXX | Credit | Idendity Verification Form |  | Idendity Verification Form - is missing |  | Additional XX form is missing. Acra XXXXXXX requires X forms of XX, one of which is a XXXXXX XXXXXXXX card or a processed XXX-XX form. The only form of XX in the file is a XXXXXXXXXX XXXXXX's XXXXXXX. (XXXX XXX citizenship field in section XX of the XXXX application is also blank). | SSA-XX and verification are in file. |  |  | 11/09/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | 6299479 | 323 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Borrower-signed form for XXXXXXXXX of XXXXXXXX XXXXXXX is missing from the loan file. | Documentation has been provided. |  |  | 11/16/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | 6448929 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Rent loss insurance not provided. |  | We have agreed to accept this loan with out XXXX XXXX XXXXXXXXX due to the following compensating factors: XX% XXX with XX% down (approximately $XXXX) XXXXXXX good credit with XXX XXXX which includes X mortgages paid XX for XX, XX, and XX months. XXXX XXXXXXX and XXXX XXXXXX XX/XX/XXXX | Reviewer 12/08/2021 12:56 PM; Subject XXX declaration page is still pending<br>Reviewer 12/09/2021 07:16 AM; Document not provided<br>Reviewer 12/09/2021 07:37 AM; Document not provided<br>|  |  | 12/17/2021 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | 6301255 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | File must contain a borrower signed XXXXXXXX XXXXXXX XXXXXXXXX. | Information provided |  |  | 11/16/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | 6304728 | 376 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - SS verification |  | X forms of XX are required and X must be XXXXXX XXXXXXXX XXXX and/or XXX-XX XXXX XXXXXXXXX. File only contains drivers license and XXX passport. | SSA-XX provided |  |  | 12/08/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 361755 | XXXXXXXXXX | XXXXXXXXXX | 6301238 | 223 | XXXXXXXXXX | Credit | Idendity Verification Form |  | Idendity Verification Form - is missing |  | X forms of XX required and X must be XXXXXX XXXXXXXX XXXX and/or XXX-XX XXXX XXXXXXXXX. No identification documents in file. | Information provided |  | Reviewer 12/09/2021 06:40 AM; Received XXX-XX, please provide another form of identification.<br>| 12/10/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 933739 | XXXXXXXXXX | XXXXXXXXXX | 6492303 | 187 | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - is missing. |  |  | Information provided |  |  | 12/10/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | 6509754 | 323 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Missing the XXXXXXXX''''s signed XXXXXXXXX for XXXXXXXX XXXXXXX. This is a XXXX business purpose loan. | Documentation has been provided. |  |  | 12/15/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 745759 | XXXXXXXXXX | XXXXXXXXXX | 6661937 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing loan application. XXXX in file is not for our borrower | XXXX provided. |  |  | 02/17/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 745759 | XXXXXXXXXX | XXXXXXXXXX | 6664161 | 431 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | Per guidelines, page XX, XXXXX statements provided must cover at least XX days. Only received XX #XXXX dated XX/XX/XXXX for X month. Provide additional consecutive month as funds are needed for reserves. | Received |  |  | 02/23/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | 6664200 | 434 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Loan amount above $XXX and up to $XXX requires XX months XXXXX reserves, verified only XX.XX months. | Corrected XXXX was provided. |  | Client 02/22/2022 07:23 AM; We are seeing over XX months reserves.... $XXX,XXX in XXXXX XXXXX and $XXX,XXX in XXXX XXXXX<br>Reviewer 02/22/2022 12:09 PM; Loan approval in file required $X,XXX,XXX XXX and $XXX,XXX.XX reserves for a total of $X,XXX,XXX.XX. Reserves in the amount of $X,XXX,XXX are included in the file and are short the required amount.<br>Client 02/24/2022 08:42 AM; we provided a correct XXXX showing correct assets<br>Reviewer 02/25/2022 07:35 AM; Unable to locate XXXX in documentation provided. Additionally, asset documentation does not support sufficient funds.<br>| 02/28/2022 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 C B | A | A C |  | QM Safe Harbor | 1 |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | 6663635 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Client wants to use reserves from business funds from XXXXX XXXX but only has XX% ownership |  | Approved XXXXXXXXXXXX XXXXXXX: XXXX to XXXXX XX% or more under requirement. |  |  |  | 02/17/2022 B | 2 | XXXXXXXXXX | NY | 1 | 1 C B | A | A C |  | QM Safe Harbor | 1 |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | 6663647 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXX XXX subject property | Document provided |  |  | 02/18/2022 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 C B | A | A C |  | QM Safe Harbor | 1 |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | 6664130 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CU XXXXX exceeds X.X tolerance. | Received |  |  | 02/22/2022 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 C B | A | A C |  | QM Safe Harbor | 1 |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | 6658913 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | File must contain a borrower signed XXXXXXXX XXXXXXX XXXXXXXXX | Information provided |  |  | 02/16/2022 |  | A | 1 | XXXXXXXXXX | NJ | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 338396 | XXXXXXXXXX | XXXXXXXXXX | 6640862 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception was approved for XXXXX-time homebuyer and no landlord history. |  | Compensating XXXXXXX: XXXXXXXX has over X years of property management experience for residential and commercial units holding the full weight of landlord responsibilities. FICO XX points more than the requirements. XXXX term employment over X years. |  |  |  | 02/03/2022 B | 2 | XXXXXXXXXX | NY | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 581075 | XXXXXXXXXX | XXXXXXXXXX | 6680926 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Subject property was purchased XX/XX/XXXX for $XXX,XXX. Per guidelines for XXXXXXX XXXXXXXXX, page XX, XXXXXXX financing (on properties purchased by the borrower with cash and owned < XX months) are permitted if the original transaction was arm's length, settlement statement from purchase confirms no financing used to acquire and purchase funds are documented. Also, XX the property is owned less than XX months at the time of XXXX date, the XXX/XXXX will be based on the lesser of the original purchase XXXXX plus improvements or current appraised value. The prior settlement statement will be required for proof of purchase XXXXX. Proof of improvements is required. Provide purchase XX/XXXX and proof of improvements as current appraised value of $XXX,XXX was used to qualify. | HUD provided XX/X/XXXX $XXX,XXX.XX purchase which was used to calculate the XXX for this transaction |  |  | 03/01/2022 |  | A | 1 | XXXXXXXXXX | TX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 581075 | XXXXXXXXXX | XXXXXXXXXX | 6680577 | 380 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | UW Other UW - Lease Agreements COMMENT: Per guidelines, XXXXX agreements, page XX, XXXXXXXXX transactions will require a lease agreement with X month proof of rent received XX recent rehab, proof of recently completed rehab XX is listed for rent, listing required. | Lease X/XXXX-X/XXXX and deposit provided |  |  | 03/01/2022 |  | A | 1 | XXXXXXXXXX | TX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 402957 | XXXXXXXXXX | XXXXXXXXXX | 6684909 | 380 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | Per guidelines, XXXXX agreements, page XX, XXXXXXXXX transactions will require a lease agreement with X month proof of rent received XX recent rehab, proof of recently completed rehab XX is listed for rent, listing required. Received lease agreement. Did not receive proof of rent received. | Received |  |  | 03/03/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 402957 | XXXXXXXXXX | XXXXXXXXXX | 6684934 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Per guidelines, page XX, XXXXXX XXXXXXXXX, XXX loans require a desk review or other third-party valuation product. CU score of X.X or lower, no further review required per the chart = XXXXX/R | Received |  |  | 03/04/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 873215 | XXXXXXXXXX | XXXXXXXXXX | 6707931 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | missing XXXX | Information provided |  |  | 03/07/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 961036 | XXXXXXXXXX | XXXXXXXXXX | 6721619 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX XXXX reflects exception granted for loan amount and XXX XX%. XXXXXXX fully executed needed lender exception including compensating factors. |  | compensating factors: XXXXX reserves above min by X months; XXXXXXXXXXX XXXXXXXX |  |  |  | 03/16/2022 B | 2 | XXXXXXXXXX | FL | 3 | 1 A B | N/A | N/A |  | Exempt | 1 |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | 6722618 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | A copy of a full fraud report is missing in file. | received |  | Reviewer 03/17/2022 09:15 AM; Received XXXXX XXXXXX. XXXXXXX, all loan participants must be run through all watchlists. XXXXXX provide the XXXXX report with the following added. XXXXX XXXXXXX – XXX XXXXXXX XXXXXX, XXX, XXXXX XXXXX – XXXXXX XXXX, XXXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXX, XXXXXXX XXXXX - XXXX XXXXXXXXXXX, XXXXX's XXXXXXX XXXXXX XXXXXXXX XXXXXX XXXXXX, XXXXXXX XXXXX – XXXXXXXX XXXXXXXXXXX, XXXXXXXXX – XXXX XXXXXX, XXXXXXXXX XXXXXXX XXXX XXXXXX<br>| 03/25/2022 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | 6723362 | 346 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Complete Purchase Agreement |  | XXXXXXX fully executed purchase agreement with all applicable addendums/disclosures. XXXX copy is not seller signed. | Received |  |  | 03/23/2022 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 927927 | XXXXXXXXXX | XXXXXXXXXX | 6729451 | 423 | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | XXXXXXX corrected appraisal for subject property address. XXXXXXXXX reflects XXXXXX. XXX XXXXX XX, XXXXX XXXXXXXXXX, XXXXXXXX XXXXXXXXX and XXXXXX insurance reflects XXXXXX. | Received |  |  | 03/21/2022 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | 6744160 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX guidelines, page XX, XXXX XXXX XXXXXXXXX, A XXXXXXXXXX, XXXXXXXX or rental dwelling policy is required. XXXXXX received reflects XXXXXXXX D XXXX XXXXXX XXXXX - see XXXXXXXX XXXXXX form. XXXXXXXX policy form not received. | Received |  |  | 04/05/2022 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A B |  | Exempt | 1 |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | 6744161 | 380 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | XXX guidelines, XXXXX agreements, page XX, XXXXXXXXX transactions will require a lease agreement with X month proof of rent received XX recent rehab, proof of recently completed rehab XX is listed for rent, listing required. XX documentation received. XXX XXXX reflects loe in file for cosmetic repairs before listing for rent. | Documentation has been provided. |  |  | 04/06/2022 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A B |  | Exempt | 1 |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | 6744163 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXX guidelines page XX, XXXXXXXXX, XXXXXXXXXXX appraisals are acceptable, unless ordered by borrower or affiliate of the property seller. XXXXXXXXX in file reflects XXXXXX/XXXXXX of XXXXXXXXX XXXXXXX. XXXXXXX fully executed transfer letter. |  | Compensating XXXXXXX XXXX XX+ points XXXXX reserves above min by X months XXX below max by XX% (applicable for investment properties only) XXX > X.XX (XXX XXXX) |  |  |  | 03/30/2022 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A B |  | Exempt | 1 |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | 6744164 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX fully executed lender exception in order to use the purchase appraisal, purchase XXX, purchase credit report and XXXX dated XX/XX/XXXX prepared for XXXXXXXXX XXXXXXX. XXXXXXXXX in file dated XX/XX/XXXX with corresponding XXXXXXXXXXX XXX. XXXXXX report in file dated XX/XX/XXXX. XXXX approval date XX/XX/XXXX. |  | Exception to use XXXXXXXXX without an XXXXXXXXX transfer lettter from a subsequent transaction. XXXXXXXXX is XXX compliant with cert and XXXX provided. XXXX review with zero tolerance.Appraisal used is from prior purchase, now doing delayed financing for that borrower using the purchase appraisal. XXXXXXXXXXXX XXXXXXX: XXXX XX+ XXXXXX; XXXXX reserves above min by X months; XXX below max by XX%; XXXX >X.XX | Reviewer 03/30/2022 07:14 AM; Exception provided addresses the appraisal only other items still need exception<br>Client 04/05/2022 08:31 AM; The credit report was prepared for XXXXXX XXXX XXXXXXXX not XXXXXXXXX XXXXXXX, please advise. <br>Reviewer 04/06/2022 07:31 AM; Deficiencies updated<br>|  |  | 04/06/2022 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A B |  | Exempt | 1 |
| 213148 | XXXXXXXXXX | XXXXXXXXXX | 6755793 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX XXXX/XXX reflects 'there are no comparable rentals which rent monthly in the subject subdivision' and the appraiser used nightly/weekly rental comparables. XXX XXXX reflects requires an exception due to no monthly rentals in the area. XXXXXXX fully executed lender exception. | Documentation has been provided. |  |  | 04/06/2022 |  | A | 1 | XXXXXXXXXX | AZ | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 763450 | XXXXXXXXXX | XXXXXXXXXX | 6753005 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | UW Collateral UW - Appraisal Other COMMENT: Appraisal states "XXXXXXXX" when photos show attached property type. XXXXXXXXX evaluation indicates attached townhouse. XXXX reflects XXX $XXX/month. XXX XX reflects XXX information of XXXXXXX XXXXX XXX. XXXXXXX corrected/updated appraisal with XXX/XXXXXXXXXXXX information. | Received |  |  | 04/08/2022 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 233123 | XXXXXXXXXX | XXXXXXXXXX | 6759198 | 350 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXX guidelines, page XX, XXXX-XXX XXXXXXXXX, XXXX-XXX XXXXXXXXXX seasoned for more than X months but less than XX months on renovated properties, max XXX is XX% based on current appraisal. XXX title commitment, reflects deed to the XXXXXXXX on XX/XX/XXXX. XXX appraisal, the subject has recently been remodeled with features listed. XXX loan approval, loan closed at XX% XXX. |  | Exception: XXXXX minimal cash out of $XX,XXX at close, property owned and rehabbed for less than XX months. XXX from XX% to XX%. XXXXXXXXXXXX factors: XXXX XX+pts and XXXXX reserves above min by X months. | Reviewer 04/08/2022 10:46 AM; Exception reviewed, however, does not address the XX/XX% XXX<br>|  |  | 04/11/2022 B | 2 | XXXXXXXXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 524757 | XXXXXXXXXX | XXXXXXXXXX | 6761184 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX guidelines, page XX, XXXXXXX XXXXXXX, for XXXXXXX XXXXXXXXX and subject property refinances, XXXXXXXX housing history via XX months proof of payment via cancelled checks, XXXX debits or institutional XXX/XXX. XXXXXXX residence mortgage reporting on credit report for X months (with supplement). XXX XX/XXXX payment on XXXX statement XXXXX #XXXX. XXXXXX to tie into previous mortgage. XXX XXXX, XXXXXXXX has been in residence for X years and per XX, property was purchased XX/XXXX. XXXXXXX complete XX month XXX supporting max XXXXXXX (no rolling). | Received |  |  | 04/20/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | 6764262 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX the XXXXX documentation as the loan closed in a XXXXX. | Received |  |  | 04/12/2022 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | 6765701 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXXXX X XXX client is looking to pull more than $XXX,XXX cash out. XX wants to pull approximately $XXX,XXX cash out on the home, so it's about $XX,XXX beyond guideline. I'm pricing out as a XXX loan at X.XX% XXX to the client with a X year XXX on the XX year I/O at X.X%. XXXXXXXXX XXXX from actual taxes & insurance factored in is $X,XXX.XX/month, so you can see I came up with the XXXX of. XXXXXXXXX X XXX property is currently vacant - his tenant moved out in XXX XXXX and then he spent the last X months renovating / improving the property and is planning to rent it out again shortly. XXX purposes of our loan, the property is complete, not incomplete and has no issues, it's just vacant at the moment until he gets a new tenant in. |  | Compensating XXXXXXX: XXXX XX+ points. XXX below max by XX% (applicable for investment properties only). XXXX >X.XX (XXXX only). |  |  |  | 04/12/2022 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | 6765746 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX guidelines, page XX, XXXXXXX XXXXXXX, for XXXXXXX XXXXXXXXX and subject property refinances, XXXXXXXX housing history via XX months proof of payment via cancelled checks, XXXX debits or institutional XXX/XXX. XXXXXXX property XXX mortgage is a XXXXXXX XXXXXXXX. XXXXXXXX XXX. XXX not receive supporting proof of payments for $X,XXX/month. |  | Exception XXXXXXX waiving XX months cancelled checks for private XXX mortgage due to depth of history with X years of perfect payment history for the XXX mortgae. XXX final payoff for the XXX lien reflects current with no delinquency past due amount. XXXXXXXXXXXX XXXXXXX: XXXX XX+ points; XXXXX reserves above min by X months; X+ years in subject property; XXX below max by XX%. |  |  |  | 04/26/2022 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 675540 | XXXXXXXXXX | XXXXXXXXXX | 6772949 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX guidelines, page X, XXXX XXXXXX, XXXXXXX XXXX XXXXXX is $XXX,XXX when loan is XXXXXXXX XXXX with XXXX Compensating XXXXXXX XXXX XX+ points XXXXX reserves above min by X months 04/19/2022 B 2 XXXXXXXXXX FL 3 13 C B C B N/A N/A A A Exempt 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 691875 | XXXXXXXXXX | XXXXXXXXXX | 6778531 | 434 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXX guidelines, page XX, XXXXXXXX, <= $X,XXX,XXX, >XX% XXX = X months. XXX loan approval, loan closed at XX% XXX. XXX XXXXX XX, cash to close is $XX,XXX.XX. XXX most recent XXXX statement in file, reflects balance of $XXX,XXX.XX. XXXXXXXX at X.XX. XXXXXXX X months current consecutive XXXX statements supporting additional funds needed for reserves. | Variance allowable per guidelines, XX less than X months. XXXXXXXXXXXX factors: XXXXXXXX is minimal$XXX; XXXXXXX deposits over X months is $X,XXX.XX; XXXXXX XXX XXXXX; |  |  | 04/22/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 643385 | XXXXXXXXXX | XXXXXXXXXX | 6776907 | 378 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXX guidelines, page X, XXXXXXXX and XXXXXXXXXXXX XXXXXXXX, XXXXXXXX of real estate owned must be completed on the XXXX, including properties held in XXXX. XXXXXXX XXXX with complete XXX. XXX divorce decree, XXXXXXXX was also awarded XXX/XXX XXXXXXX XX, XXXXXX XXXX, this property is not reflected on either XXXX in file. XXX per XXXXXXXX email, reflects other properties in XXXXXXXXXXXX through other XXXX. | Documentation has been received. |  |  | 04/22/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 643385 | XXXXXXXXXX | XXXXXXXXXX | 6776965 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX divorce decree, dated XX/XX/XXXX, ex-spouse was awarded XX XXX XX. XXX XXXX's in file, reflect the XXXXXXXX's current residence is XX XXX XX. XXXXXXXX email from the XXXXXXXX, dated XX/XX/XXXX, reflecting to stay in XX for X years but also reflects 'had to pick up for me personally.'. XXXXXXXX rent free letter. XXXXXXX, per all XXXX statements in file beginning XX/XX/XXXX, reflect current address of XXX E XXXXXX XX, XXX XXX, XXX XXXXX, XXXXX, XX. XXX newly created X XXXXX XXXXX XX XXX, filed XX/XX/XXXX, reflects XXXXXXXX's address as subject address. (XXX appraisal - property is not vacant, occupancy reflects 'XXXXX', furniture, computer and pool table set up/still set up in pictures (date of appraisal XX/XX/XXXX - X weeks prior to closing), per rent schedule - not currently rented and X of the X rent comparables are XX.XX and XX.XX miles away). XXXXXXX clarification of XXXXXXXX's current residence, any payment history and corrected XXXX, if applicable. XXX provide sufficient evidence that XXXXXXXX is and/or will XXX be living in subject property. | Received |  |  | 04/21/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | 6776643 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXX to use short term rental on XXXX with XX% maintenance/repair factor. XXXXXX rent XXXX $XXXXX using $XXXXX for XXXX calculation. |  | Compensating factors: XXXX XX+ points higher and XXXXX reserves above min by X months. |  |  |  | 04/20/2022 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 186289 | XXXXXXXXXX | XXXXXXXXXX | 6778926 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX title commitment, XXX B-X, #XX, reflects requirement for a release or satisfaction of XXXXXXXX from XXXXXXX XX $XX,XXX.XX dated XX/XX/XXXX. XXX credit report, no current/open mortgages reflected. XXX the XXXXX XX, only reflects XXXXXXX XX installment loan being paid at closing. XXXXXXX verification that the subject property was XXXX & XXXXX at the time of closing. XXXXXXX XX months XXX from XXXXXXX for any payment history supporting max XXXXXXX (no rolling), if applicable. | Documentation has been provided. |  |  | 05/12/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 849789 | XXXXXXXXXX | XXXXXXXXXX | 6781058 | 322 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | XXXXXXXXX X point XXXX exception to go XXXXXXXX XXXX. |  | No XXXXXXXXXXXX XXXXXXX reflected. |  |  |  | 04/25/2022 B | 2 | XXXXXXXXXX | FL | 3 | 1 A B | N/A | N/A |  | Exempt | 1 |
| 901122 | XXXXXXXXXX | XXXXXXXXXX | 6785083 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX market rent was used instead of required short term leases. |  | The exception was granted for the use of the market rent from the XXXX vs. the leases with the following compensating factors: XXX borrower has more than X months required reserves and the XXXX was at X.XX over the required X.XXx. |  |  |  | 04/27/2022 B | 2 | XXXXXXXXXX | GA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 678425 | XXXXXXXXXX | XXXXXXXXXX | 6787453 | 271 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Collateral not acceptable/warrantable |  | XXX subject is a non warrantable XXXXXXXXXXX. |  | The exception was granted for approval of the non-warrantable condo. XXX warrantable condo due to XXXXXXXX XXXXXXXXXXXXX exceeding XX% at XX% XXXXXXXXXXXX reserves are less than XX% XXXXXXX study for condo provided XXX following were compensating factors:XXXX XX+ points and XXXXX reserves above min by X months |  |  |  | 04/28/2022 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 376085 | XXXXXXXXXX | XXXXXXXXXX | 6803288 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXX XXXXXXXX XX XXXXX XX XX XXXXX. XXXXXXXXX XXX XXXXXXXX X XXXXX; XXXXXXXXX XX XXX XXXXXXX XXX XXX XXXX XXXX X XXXXX (XXXXX .XX-X.XX XXXXX). XXX XXXX XX XXXX XXXX X XXXX. XXX XXXXXXXXXXXX XXXXXXXX. XXXX XXXX XXXXX XXXX XXX XXXX XXXX. |  | Comp XXXXXXX: XXXX XX+ points, XXXXX reserves above min X months |  |  |  | 05/12/2022 B | 2 | XXXXXXXXXX | NC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 396171 | XXXXXXXXXX | XXXXXXXXXX | 6806234 | 99 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Closing date (does not does not match note and assignment) |  | XXXXXXXX date does not match XXXX date | Information provided |  |  | 06/07/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 396171 | XXXXXXXXXX | XXXXXXXXXX | 6806235 | 200 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - If Condo, blanket coverage policy is missing |  | XXXXXXXX XXX blanket master policy is missing | Information provided |  | Client 05/20/2022 04:50 PM; CEL only requires a master policy on an attached XXX if the XXXXXXXX XXX is an XXX policy. XXX XXX XXX page denotes this is a full policy. <br>Reviewer 05/20/2022 05:04 PM; Hello, <br>Since the property is in a XXX, a master policy is still required for the common grounds. XXXX reference the property address. <br> Thank you, XXXXXX<br>Reviewer 05/22/2022 06:01 PM; <br>| 06/03/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 196919 | XXXXXXXXXX | XXXXXXXXXX | 6829361 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Missing borrowers final XXX/XX. | Information provided |  | Client 06/03/2022 10:03 AM; The documentation was provided pages X-X within your portal folder "XXXXXXXXXXXXXXXXXXXXXX of XXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf"<br>Reviewer 06/03/2022 10:10 AM; <br>Reviewer 06/03/2022 12:35 PM; Hello, XXXXXXXXXXX of XXXX is not a XXXXXXXXXX XXXXXXXXX or XXX-X. XXXX we are missing the funding date and prepaid interest from date. XXXXXX provide final settlement statement from XXXXXXXXXX XXXXX/XXXXXXX attorney. XXXXX you<br>| 06/03/2022 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 389887 | XXXXXXXXXX | XXXXXXXXXX | 6831049 | 353 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LA/CLA exceeds Max. Limit |  | Loan exceeds loan amount of $XXX,XXX for a cash-out. |  | The exception was granted for a loan amount of $XXX,XXX as a cash-out refinance with the following compensating factors: XXXX XX points over minimum; XXXXX reserves above minimum of X months and XXX below max by XX%. |  |  |  | 06/01/2022 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 346939 | XXXXXXXXXX | XXXXXXXXXX | 6831883 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraiser identifies the subject property as "rural" which does not meet guidelines |  | client approved exception - compensating factors are high XXXX and sufficient reserves | Client 06/06/2022 12:11 PM; An approved credit exception was provided in the initial shipping package, page XXX, addressing this finding, please advise. <br>Reviewer 06/06/2022 02:16 PM; exception documented and cleared as client approved.<br>|  |  | 06/06/2022 B | 2 | XXXXXXXXXX | PA | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | 6250609 | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | VVOE is missing for XXXXXXX XXXXXX from XXXX XXXXXXXX - XX days to the XXXX date of XX/XX/XX | Documentation has been provided. |  | Reviewer 11/15/2021 09:26 AM; document provided is outside the XX-day XXXX guidelines. Document XXXXXXX on XX/X/XX.<br>Reviewer 11/23/2021 01:03 PM; Borrower XXXX still pending.<br>| 12/01/2021 |  | A | 1 | XXXXXXXXXX | HI | 3 | 1 D A | D | A |  | Exempt | 1 |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | 6250612 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide documentation that support gross rental income of $X,XXX used for the property located at XXX XXX XXXX XX as the tax returns and lease agreement provided does not support it. | Using the most recent XXXX E for income calculation per XXXX XXXXXXXXXX X/XX/XX pg.XX |  | Reviewer 11/11/2021 11:47 AM; Lease agreement provided however this support a monthly amount of $XXXX. <br>Reviewer 11/15/2021 09:26 AM; Documentation provided was rental income calc. This is not proof of income and although it shows the calculation. The file does not contain the documentation showing these amounts. <br>| 11/23/2021 |  | A | 1 | XXXXXXXXXX | HI | 3 | 1 D A | D | A |  | Exempt | 1 |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | 6250615 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide mortgage statement (from XXX XXXX) and taxes & insurance statements (if not escrowed) and XXX dues (if applicable) for the property located at XXXX XXXXXXXXXX XX XXXX payment history has been provided. | XXXX XXXXXXXXXX XX payments are made by a third party, XXXXX payment history is in the file. |  | Reviewer 11/11/2021 11:58 AM; Taxes and XXXXXXXXX as well as XXX to be documented for XXXX XXXXXXXXXX XX. <br>Reviewer 11/15/2021 09:26 AM; document still pending<br>| 11/23/2021 |  | A | 1 | XXXXXXXXXX | HI | 3 | 1 D A | D | A |  | Exempt | 1 |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | 6299789 | 376 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - SS verification |  | X forms of XX are required. XXXX only contains XXX passport. | document received. |  | Reviewer 11/09/2021 10:18 AM; Document is still pending<br>Reviewer 11/15/2021 10:57 AM; documentation still pending. received patriot act disclosure but not the copy of the XX. <br>| 12/06/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | 6509670 | 387 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Insurance policy discrepancy. Per the XXXXXXXXXX XXXXXXXXX, the XXXXX XX, and the XXXXX, the XXXXXX XXXXXXXXX amount was $XXX.XX. However, a copy of the insurance policy in file for the period of XX/XX/XXXX to XX/XX/XXXX is for $XXX.XX. There is no supporting document in file to verify the $XXX.XX amount. | documentation provided. |  | Reviewer 12/15/2021 09:52 AM; LOE provided however XXX that supports $XXX has not, the one in file indicates the premium of $XXX. Please provide. <br>Client 12/17/2021 01:57 AM; Hi XXXX,XXX I have an update on this file?XXX this condition,XXXXXXXX provided the insurance policy with a lower premium of $XXX.XX which is in file after loan docs signed,the original policy premium is $XXX.XX.Please kindly review and help clear the condition.<br>Reviewer 12/17/2021 07:12 AM; <br>| 12/17/2021 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 745759 | XXXXXXXXXX | XXXXXXXXXX | 6661752 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DSCR XX.XX |  | Compensating XXXXXXX: XXXX XX points or more above requirement. Reserves XX months more than requirement. XXXX XXXX XXXXXXXXXX (>X years). XXXX XXXX XXXXXXXXXXXXX (>X years). XX months additional reserves. will be XXXXX and get higher rent. borrower has ton of experience. | Reviewer 02/16/2022 11:35 PM; Exception for XXXX X.XX<br>|  |  | 02/16/2022 B | 2 | XXXXXXXXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |

---

## Exhibit 99.2

![](evolve_logo.jpg)

**Valuation Report**

**Run Date - 04/16/2026 8:00:47 AM**

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **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** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **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** |
| 745759 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXXX |  | 0.00% | XXXXXXXX | 1004D |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXX |  | 0.00% | XXXXXXXX | 1004D |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 361755 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 948977 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 933739 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 325983 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -2.35% | XXXXXXXX | No immediate negative | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 985892 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 211245 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXX | XXXX | 0.26% | XXXXXXXX | 1004D |  |  |  |  |  |  | XXXXXX | XXXX | 0.26% | XXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 343939 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX |  | 0.00% | FNMA Property Report | 1 | XXXXXXXX |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 859028 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXX | 1.81% | XXXXXXXX | No significant risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 323054 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 213148 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 816102 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXX |  | 0.00% | XXXXXXXX | 1004D |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 214277 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 402957 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 682473 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 396776 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -5.36% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 891853 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| 581075 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 873215 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 848313 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXX | 2.67% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| 967853 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 944571 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 374092 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 3.91% | XXXXXXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 128249 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 164322 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 10.00% | XXXXXXXX | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 961036 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| 493162 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXX | 0.73% | XXXXXXXX | No significant risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 927880 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -4.51% | XXXXXXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 214970 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 824145 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXXX | 5.32% | XXXXXXXX | No risk factors | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.3 |
| 233123 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | No adverse | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 524757 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | No issues noted | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 714195 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 477193 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 326873 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 763450 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXX | 3.88% | XXXXXXXX | No risk indicators noted | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| 463035 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXXX | -2.82% | XXXXXXXX | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 662475 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 14.29% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 733320 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 978616 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.3 |
| 105724 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | -1.57% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 927927 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 3.39% | XXXXXXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 691875 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXX |  | 0.00% | XXXXXXXX | 1004D |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 103812 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 987291 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 620976 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXX | 2.34% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXXXX | -6.52% | XXXXXXXX | No apparent signs of risk indicators | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 508923 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 517014 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXX | 2.94% | XXXXXXXX | No immediate negative | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 635482 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXXX | -2.08% | XXXXXXXX | No issues noted | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 146600 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 542750 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXX |  | 0.00% | XXXXXXXX | 1004D |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | No risks | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 979802 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | No significant risk factors | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 901122 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 8.86% | XXXXXXXX | no risk noted | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 562658 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 951591 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | -2.14% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 380746 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | No Issues | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 139904 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 943522 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 135971 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXXX | -1.38% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 687633 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 680133 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 643385 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 359293 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXXXX | -6.82% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 253301 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 943213 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 844603 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 186289 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 209639 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -3.23% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 364088 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 678425 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -2.86% | XXXXXXXX | No Risk indicators | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 849789 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -5.47% | XXXXXXXX | Risk factors are low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 161057 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 570860 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 696130 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -5.21% | XXXXXXXX | Risk factors are low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 376085 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 675540 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 5.11% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 912164 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | No Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 867535 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 155869 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 417027 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 792954 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 1.08% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 577047 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 990725 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 280714 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXX | 0.82% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 339707 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXXXX | -9.09% | XXXXXXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 451144 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 886928 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 824740 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 191529 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 106520 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | No Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 646730 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 310568 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | -1.35% | XXXXXXXX | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 308645 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -3.90% | XXXXXXXX | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 753681 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 593624 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 259067 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXX | 1.65% | XXXXXXXX | No Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 699848 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 462098 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 802852 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 396171 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | modereate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 584781 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 366348 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 520685 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 346939 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 870349 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 536156 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 389887 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 268849 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 196919 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 573660 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 975156 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | A+ | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 611409 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 242402 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXXXXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 787293 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 2.22% | XXXXXXXX | moderate risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 338396 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXX | 11.11% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |

---

## Exhibit 99.2

![](evolve_logo.jpg)

**Data Compare**

**Run Date - 04/16/2026 8:00:47 AM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 745759 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.870 |  |
| 745759 | XXXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 745759 | XXXXXXXXXX | XXXXXXXXXX | Original Interest Rate | XXXXXXX | XXXXXXX | Verified |
| 745759 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX |  |
| 745759 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 325983 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.000 |  |
| 325983 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 325983 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 325983 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 985892 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 2.270 |  |
| 985892 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 985892 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 985892 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 985892 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 211245 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.900 |  |
| 211245 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 211245 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 211245 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 211245 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 343939 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 343939 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.060 | Verified |
| 343939 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 343939 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 343939 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 343939 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 343939 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 859028 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 859028 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 859028 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 859028 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 323054 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.750 |  |
| 323054 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 323054 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 323054 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 213148 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 213148 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 2.010 |  |
| 213148 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 213148 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 213148 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 213148 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 213148 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 816102 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 816102 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.830 |  |
| 816102 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 816102 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 816102 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 816102 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 214277 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 214277 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.840 | Verified |
| 214277 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 214277 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 214277 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 214277 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 402957 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.790 |  |
| 402957 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 402957 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 402957 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 682473 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.000 |  |
| 682473 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 682473 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 682473 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 396776 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.920 | Verified |
| 396776 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 396776 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 396776 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 891853 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 891853 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 891853 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 581075 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.510 |  |
| 581075 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | Refinance | Refinance - Cash Out | Verified |
| 581075 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 581075 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 581075 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 581075 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 873215 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.340 |  |
| 873215 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 873215 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 873215 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 848313 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX | Verified |
| 848313 | XXXXXXXXXX | XXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 848313 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.990 |  |
| 848313 | XXXXXXXXXX | XXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 848313 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 848313 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 848313 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 967853 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.000 | Verified |
| 967853 | XXXXXXXXXX | XXXXXXXXXX | Index Type | 30 DAY AVG SOFR | 30DayAverageSOFR | Verified |
| 967853 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 967853 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 967853 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 967853 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 944571 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.020 |  |
| 944571 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 944571 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 944571 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 944571 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 374092 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.880 |  |
| 374092 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 374092 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 374092 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 128249 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.940 |  |
| 128249 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 128249 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 128249 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 128249 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 164322 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.210 | Verified |
| 164322 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 164322 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 164322 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 961036 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.190 |  |
| 961036 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 961036 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 961036 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 493162 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.040 |  |
| 493162 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 493162 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 493162 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 493162 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 927880 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 927880 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.160 |  |
| 927880 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 927880 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 927880 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 927880 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 927880 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.850 |  |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | Property Street Address | XXXXXXXX | XXXXXXXX | Verified |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 214970 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.820 |  |
| 214970 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 214970 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXX | Verified |
| 214970 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 214970 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 824145 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.760 |  |
| 824145 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 824145 | XXXXXXXXXX | XXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 824145 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 824145 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 824145 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.440 |  |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 233123 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.210 |  |
| 233123 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 233123 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 233123 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 524757 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 524757 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.310 |  |
| 524757 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 524757 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 524757 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 524757 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 714195 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.750 |  |
| 714195 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 714195 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 714195 | XXXXXXXXXX | XXXXXXXXXX | Property City | XXXXXXXX | XXXXXXXX | Verified |
| 714195 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 477193 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 477193 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.110 |  |
| 477193 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 477193 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 477193 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 477193 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 326873 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 326873 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.220 |  |
| 326873 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 326873 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 326873 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 326873 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 326873 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 763450 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 763450 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.070 |  |
| 763450 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 763450 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 763450 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 763450 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 763450 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 463035 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 463035 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.070 | Verified |
| 463035 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 463035 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 463035 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 463035 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 463035 | XXXXXXXXXX | XXXXXXXXXX | Property Type | Attached | PUD-Attached | Verified |
| 463035 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 662475 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.220 | Verified |
| 662475 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 662475 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 662475 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 662475 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 733320 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 733320 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.570 |  |
| 733320 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 733320 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 733320 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 733320 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 733320 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 978616 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 978616 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.000 | Verified |
| 978616 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 978616 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 978616 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 978616 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 978616 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 105724 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.000 | Verified |
| 105724 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 105724 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 105724 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 105724 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 927927 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 927927 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.400 |  |
| 927927 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 927927 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 927927 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 927927 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 691875 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 691875 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.010 |  |
| 691875 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 691875 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 691875 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 691875 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 691875 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 103812 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.000 | Verified |
| 103812 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 103812 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 103812 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 103812 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 987291 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 987291 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.170 | Verified |
| 987291 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 987291 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 987291 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 987291 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 987291 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 620976 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.480 |  |
| 620976 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 620976 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 620976 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 620976 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.240 |  |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 508923 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 508923 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.050 | Verified |
| 508923 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 508923 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 508923 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 508923 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 517014 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.480 |  |
| 517014 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 517014 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 517014 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 635482 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 635482 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 635482 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 635482 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 635482 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 146600 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.230 | Verified |
| 146600 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 146600 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 146600 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 146600 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 542750 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.850 |  |
| 542750 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 542750 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 542750 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Higher-priced QM/not HPML | Exempt | Verified |
| 979802 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 979802 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 979802 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 901122 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.420 | Verified |
| 901122 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 901122 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 901122 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 901122 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 562658 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.200 | Verified |
| 562658 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 562658 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 562658 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 951591 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 951591 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.540 |  |
| 951591 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 951591 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 951591 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 951591 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 380746 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.940 |  |
| 380746 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 380746 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 380746 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 139904 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 139904 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.660 | Verified |
| 139904 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 139904 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 139904 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 139904 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 139904 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 943522 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 943522 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.730 |  |
| 943522 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 943522 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 943522 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 943522 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 135971 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.060 | Verified |
| 135971 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 135971 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 135971 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 687633 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.210 | Verified |
| 687633 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 687633 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 687633 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 680133 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.000 | Verified |
| 680133 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 680133 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 680133 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 680133 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 643385 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.000 |  |
| 643385 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 643385 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 643385 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 643385 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 359293 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 359293 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 359293 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 359293 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 359293 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 253301 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 253301 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.070 | Verified |
| 253301 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 253301 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 253301 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 253301 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 253301 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 943213 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.940 | Verified |
| 943213 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 943213 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 943213 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 844603 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 844603 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 844603 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 844603 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 186289 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.090 |  |
| 186289 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 186289 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 186289 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 209639 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.460 |  |
| 209639 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 209639 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 364088 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 364088 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.400 |  |
| 364088 | XXXXXXXXXX | XXXXXXXXXX | Index Type | 30 DAY AVG SOFR | 30DayAverageSOFR | Verified |
| 364088 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 364088 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 364088 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 364088 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 678425 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 678425 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.040 | Verified |
| 678425 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 678425 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 678425 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 678425 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 678425 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 849789 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 849789 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.000 |  |
| 849789 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 849789 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 849789 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 849789 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 849789 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 161057 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 161057 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 161057 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 161057 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 161057 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 161057 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 570860 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.160 | Verified |
| 570860 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 570860 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 570860 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 570860 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 696130 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.170 |  |
| 696130 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 696130 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 696130 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 696130 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 376085 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 376085 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.010 | Verified |
| 376085 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 376085 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 376085 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 376085 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 675540 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 675540 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.940 |  |
| 675540 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 675540 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 675540 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 675540 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 912164 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 912164 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.020 | Verified |
| 912164 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 912164 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 912164 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 912164 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 912164 | XXXXXXXXXX | XXXXXXXXXX | Property Street Address | XXXXXXXX | XXXXXXXX | Verified |
| 912164 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 867535 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.070 | Verified |
| 867535 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 867535 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 867535 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 155869 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.400 | Verified |
| 155869 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 155869 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 417027 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.480 | Verified |
| 417027 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 417027 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 417027 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 792954 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 792954 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 792954 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 792954 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 792954 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 792954 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 577047 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.850 | Verified |
| 577047 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 577047 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 577047 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 577047 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 990725 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 990725 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.380 | Verified |
| 990725 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 990725 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 990725 | XXXXXXXXXX | XXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 990725 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 990725 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 280714 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.100 | Verified |
| 280714 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 280714 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 280714 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 280714 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 339707 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.180 | Verified |
| 339707 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 339707 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 339707 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.210 | Verified |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | Index Type | 30 DAY AVG SOFR | 30DayAverageSOFR | Verified |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXXX | Verified |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 451144 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.020 | Verified |
| 451144 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 451144 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 451144 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 451144 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 886928 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.110 | Verified |
| 886928 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 886928 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 886928 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 886928 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 824740 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.620 | Verified |
| 824740 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 824740 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 824740 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 191529 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.960 | Verified |
| 191529 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 191529 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 191529 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 191529 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 106520 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.030 | Verified |
| 106520 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 106520 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 106520 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 646730 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.150 | Verified |
| 646730 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 646730 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 646730 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 310568 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.170 | Verified |
| 310568 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 310568 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 310568 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 308645 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.060 | Verified |
| 308645 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 308645 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 308645 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 308645 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 753681 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.880 | Verified |
| 753681 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 753681 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 753681 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 753681 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 593624 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.130 | Verified |
| 593624 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 593624 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 593624 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 259067 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.190 | Verified |
| 259067 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 259067 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 259067 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 699848 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 699848 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.020 | Verified |
| 699848 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 699848 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 699848 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 462098 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 462098 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.160 | Verified |
| 462098 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 462098 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 462098 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 462098 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 462098 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 802852 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.970 | Verified |
| 802852 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 802852 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 802852 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 396171 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.000 | Verified |
| 396171 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 396171 | XXXXXXXXXX | XXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 396171 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 396171 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 396171 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 584781 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.340 | Verified |
| 584781 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 584781 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 584781 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 366348 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 366348 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.150 | Verified |
| 366348 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 366348 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 366348 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 366348 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 366348 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 520685 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 520685 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 520685 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 520685 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 520685 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 520685 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 346939 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.030 | Verified |
| 346939 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 346939 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 346939 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 870349 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.940 | Verified |
| 870349 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 870349 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 870349 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 870349 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 536156 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.900 | Verified |
| 536156 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 536156 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 536156 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 389887 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 389887 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.010 | Verified |
| 389887 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 389887 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 389887 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 389887 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 389887 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 268849 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.080 | Verified |
| 268849 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 268849 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 268849 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 196919 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.480 | Verified |
| 196919 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 196919 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 196919 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 196919 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 573660 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.360 | Verified |
| 573660 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 573660 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 573660 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 573660 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 975156 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 975156 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.770 | Verified |
| 975156 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 975156 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 975156 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 975156 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 611409 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 611409 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.790 | Verified |
| 611409 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 611409 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 611409 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 611409 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 611409 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 242402 | XXXXXXXXXX | XXXXXXXXXX | Original Interest Rate | XXXXXXX | XXXXXXX | Verified |
| 242402 | XXXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 242402 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 242402 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 242402 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.080 | Verified |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | 12 month bank | Alternative Doc | Verified |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | Index Type | SOFR_30DayAvg | 30DayAverageSOFR | Verified |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | Interest Only | N | Y | Verified |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | Original Interest Rate | XXXXXXX | XXXX | Verified |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | Property Zip | XXXX | XXXXX | Verified |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI |  | 0.36350 | Verified |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | Amortization Type | AdjustableRate | ARM | Verified |
| 787293 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.850 |  |
| 787293 | XXXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 787293 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 787293 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 338396 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.070 | Verified |
| 338396 | XXXXXXXXXX | XXXXXXXXXX | Original Interest Rate | XXXXXXX | XXXXXX | Verified |
| 338396 | XXXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 338396 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 338396 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | 24 month full | Full | Verified |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | Original Interest Rate | XXXXXXX | XXXX | Verified |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXXX | Verified |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | QM Safe Harbor | Verified |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI |  | 0.37723 |  |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1896.46 | Verified |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag | No | N |  |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX |  |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 2224.22 | Verified |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  |  |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag | No | N |  |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1499.57 | Verified |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  |  |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag | No | N |  |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 2380.41 | Verified |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  |  |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag | No | N |  |
| 361755 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 2339.54 | Verified |
| 361755 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 361755 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 361755 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 361755 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 361755 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag | No | N |  |
| 948977 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 935.73 | Verified |
| 948977 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 948977 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 948977 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 933739 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.000 | 1.020 | Verified |
| 933739 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full | Debt Service Coverage | Verified |
| 933739 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 2926.89 | Verified |
| 933739 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 933739 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 933739 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 933739 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.550 | 1.960 | Verified |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full | Debt Service Coverage | Verified |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1157.79 | Verified |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 10.72000 |  | Verified |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 4041.40 | Verified |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | Product Code | DSCR-Inv | Full Doc | Verified |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 34.09400 | 0.36618 | Verified |

---

## Exhibit 99.2

![](evolve_logo.jpg)

**QM ATR Data**

**Run Date - 04/16/2026 8:00:47 AM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 745759 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | Yes | No |  | 09/30/2021 | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | Yes | $0.00 |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 361755 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Unemployed |  | US Citizen |  |  |  | No |  |
| 948977 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 933739 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 325983 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 985892 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 211245 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 343939 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | No |  | 11/24/2021 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 859028 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien |  |  |  | No |  |
| 323054 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 213148 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 816102 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 214277 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 402957 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 682473 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 396776 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 891853 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 01/20/2022 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 581075 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 873215 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 848313 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 967853 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 944571 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 374092 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 128249 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 164322 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 961036 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 493162 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 927880 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 214970 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 824145 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 233123 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 524757 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 714195 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 477193 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 326873 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 763450 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 463035 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 662475 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 733320 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 978616 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 105724 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 927927 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 691875 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien |  |  |  | No |  |
| 103812 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Permanent Resident Alien |  | US Citizen |  | No |  |
| 987291 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 620976 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Permanent Resident Alien |  | US Citizen |  | No |  |
| 508923 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 517014 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 635482 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 146600 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 542750 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 979802 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 901122 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 562658 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 951591 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 380746 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 139904 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 943522 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 135971 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 687633 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 680133 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 643385 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 359293 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 253301 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 943213 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 844603 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 186289 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 209639 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 364088 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 03/31/2022 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 678425 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 849789 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | Permanent Resident Alien |  | No |  |
| 161057 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 570860 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 696130 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 376085 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 675540 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 912164 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 867535 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 155869 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 417027 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 792954 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 577047 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 990725 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 280714 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 339707 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | No |  | 03/30/2022 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 451144 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 886928 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 824740 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 191529 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 106520 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 646730 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 310568 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 308645 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 753681 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 593624 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 259067 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 699848 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 462098 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 802852 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 396171 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 584781 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 366348 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 520685 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 346939 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 870349 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 536156 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 389887 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 268849 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 196919 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 573660 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 975156 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 611409 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 933400 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 242402 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | No |  | 01/04/2022 | 0.00% | Unemployed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $9418.06 |
| 787293 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 338396 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 01/05/2022 | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 214483 | XXXXXXXXXX | XXXXXXXXXX | QM Safe Harbor | N/A | No | XXXXXXXXXX | No | No | $26490.00 | 01/06/2022 | 4.11% | Self-Employed |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.2

![](evolve_logo.jpg)

**Business Purpose Data**

**Run Date - 04/16/2026 8:00:47 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **EIN Number** |
| 745759 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $8500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 8500 | 0.87 | 0.87 | $9819.50 |  |  |  | Yes | $140000.00 |  | NO | $0.00 | $1919.60 | $702.67 | Stated, Verified | NO |  | 18 |  | No | No | Experienced | 78 | 20 | US Citizen |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXX | XXXXXXXXXX |  | US Citizen | Stated, Verified | 769 | 779 | 769 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX | FALSE |  |
| 304025 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3300 | 1.14 | 1.14 | $2899.07 |  |  |  | Yes | $90000.00 |  | YES | $89.00 | $769.94 | $67.92 | Stated, Verified | NO |  | 2 |  | No | No | Experienced | 135 | 8 | US Citizen |  | 748 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Individual | Individual | XXXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C1 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 116851 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $3500.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3100 | 1.04 | 1.04 | $2976.98 | 20221014 | 12 | No | Yes | $12700.00 |  | NO | $0.00 | $656.98 | $95.78 | Stated, Verified | NO |  | 4 |  | No | No | Experienced | 289 | 0.3 | US Citizen |  | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 273501 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $2750.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | 1.29 | 1.29 | $2086.61 | 20220831 | 12 | Yes | Yes | $1500.00 |  | NO | $0.00 | $536.79 | $50.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 16 | 9 | Permanent Resident Alien |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 254439 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $2700.00 | $2900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2700 | 0.98 | 0.98 | $2766.48 | 20220531 | 12 | No | No |  |  | NO | $0.00 | $348.07 | $38.00 | Stated, Verified | NO |  | 5 |  | No | No | Experienced | 183 | 10 | US Citizen |  | 813 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Individual | Individual | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 361755 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3000 | 0.95 | 0.95 | $3172.52 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $788.90 | $44.08 | Stated, Verified | NO |  | 5 |  | No | No | Experienced | 24 | 16 | US Citizen |  | 786 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXX | Individual | Individual | XXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Unemployed |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 948977 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2080.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2080 | 1.46 | 1.46 | $1427.23 |  |  |  | Yes | $25000.00 |  | YES | $10.42 | $256.74 | $224.34 | Stated, Verified | NO |  | 4 |  | No | No | Experienced | 189 | 0.2 | US Citizen |  | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 933739 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $4200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4200 | 1.02 | 1.02 | $4135.87 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $1099.78 | $109.20 | Stated, Not Verified | NO | 1 | 2 |  | No | No | Experienced |  | 10 | US Citizen |  | 790 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 325983 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $3100.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3000 | 1 | 1 | $2993.39 | 20220531 | 12 | No | Yes | $17000.00 |  | NO | $0.00 | $433.98 | $382.35 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 18 | 5 | US Citizen |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 985892 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $3400.00 | $3400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3400 | 2.27 | 2.27 | $1494.68 | 20210101 | 1 | Yes | Yes | $40800.00 |  | NO | $0.00 | $144.64 | $101.83 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 8 | 15 | US Citizen |  | 703 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Individual | Individual | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 211245 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $4399.00 | $4700.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3074 | 0.9 | 0.9 | $3413.93 | 20220228 | 12 | Yes | Yes | $67490.00 |  | NO | $0.00 | $882.10 | $193.83 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 133 | 4 | US Citizen |  | 743 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 343939 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2450 | 1.06 | 1.06 | $2321.75 |  |  |  | Yes | $35000.00 |  | YES | $80.00 | $432.12 | $68.80 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 70 | 3.8 | US Citizen | US Citizen | 728 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C1 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 504859 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2268.08 | 1.96 | 1.96 | $1979.63 |  |  |  | Yes | $82800.00 |  | NO | $0.00 | $760.42 | $61.42 | Stated, "Partially" Verified | NO | 1 | 2 |  | No | No | Experienced |  | 1 | US Citizen |  | 785 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXX | Individual | Individual | XXXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 859028 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NORATIO | Yes | No | $0.00 | $0.00 |  |  | No |  | 0 |  |  | 0 |  |  | $7003.96 |  |  |  | Yes | $50500.00 |  | YES | $1008.00 | $1240.73 | $630.83 | Stated, Verified | NO |  | 2 |  | No | No | Experienced | 8 | 2 | Non Permanent Resident Alien |  | 729 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 323054 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $5950.00 | $3600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3600 | 0.75 | 0.75 | $4799.61 | 20230306 | 12 | No | Yes | $21600.00 |  | NO | $0.00 | $538.04 | $406.11 | Not Stated, not Verified | NO | 1 | 1 |  | No | No | Experienced | 134 | 2 | US Citizen | US Citizen | 758 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 213148 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $12978.00 | FNMA 1007/216 | Short Term Rental Documents | Yes |  | 0 |  |  | 5921.53 | 2.01 | 2.01 | $2943.48 |  |  |  | Yes | $77900.00 |  | YES | $75.00 | $517.90 | $362.23 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 369 | 1.4 | US Citizen |  | 735 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 816102 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1.83 | 1.83 | $1204.45 |  |  |  | Yes | $32160.00 |  | NO | $0.00 | $102.54 | $83.58 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 148 | 3 | US Citizen |  | 722 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 214277 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1.84 | 1.84 | $1197.16 |  |  |  | Yes | $28670.00 |  | NO | $0.00 | $102.08 | $76.75 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 150 | 3 | US Citizen |  | 722 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 402957 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1650.00 | $2550.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1650 | 0.79 | 0.79 | $2101.20 | 20220228 | 12 | No | Yes | $24600.00 |  | NO | $0.00 | $383.90 | $356.08 | Not Stated, not Verified | NO |  | 9 |  | No | No | Experienced | 64 | 3 | US Citizen |  | 762 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 682473 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $9100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 9100 | 1 | 1 | $9056.44 |  |  |  | Yes | $62000.00 |  | NO | $0.00 | $1295.04 | $1093.38 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 389 | 10 | US Citizen |  | 722 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 396776 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1700.00 | $1550.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1550 | 0.92 | 0.92 | $1676.68 | 20220831 | 12 | No | Yes | $17130.00 |  | NO | $0.00 | $242.47 | $336.67 | Not Stated, not Verified | NO |  | 3 |  | No | No | Experienced | 53 | 15 | US Citizen |  | 678 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 891853 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NORATIO | Yes | No | $0.00 | $5650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 0 |  |  | $10211.05 |  |  |  | Yes | $35000.00 |  | NO | $0.00 | $1778.37 | $933.75 | Stated, Verified | NO |  | 6 |  | No | No | Experienced | 23 | 4 | US Citizen |  | 763 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXX | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 581075 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $2000.00 | $2050.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 1.51 | 1.51 | $1325.92 | 20230228 | 12 | No | Yes | $41000.00 |  | YES | $25.00 | $377.00 | $85.75 | Stated, Verified | NO |  | 5 |  | No | No | Experienced | 254 | 5.6 | US Citizen |  | 778 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 873215 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1960 | 1.34 | 1.34 | $1464.19 |  |  |  | Yes | $20000.00 |  | NO | $0.00 | $121.44 | $70.67 | Stated, Verified | NO |  | 5 |  | No | No | Experienced | 40 | 1 | US Citizen |  | 701 | 0 | 0 |  |  | 2 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Individual | Individual | XXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 848313 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1550.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1550 | 0.99 | 0.99 | $1568.22 |  |  |  | Yes | $115745.00 |  | NO | $0.00 | $232.11 | $165.67 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 95 | 2.6 | US Citizen |  | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 967853 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 1 | 1 | $2390.35 |  |  |  | Yes | $56000.00 |  | YES | $66.67 | $1038.20 | $57.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 2 | 2.6 | US Citizen |  | 799 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C1 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 944571 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 1.02 | 1.02 | $1952.27 |  |  |  | Yes | $35000.00 |  | NO | $0.00 | $361.25 | $191.99 | Stated, Verified | NO |  | 3 |  | No | No | Experienced | 23 | 19 | US Citizen |  | 678 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 374092 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $2400.00 | $2400.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2400 | 0.88 | 0.88 | $2715.33 | 20220831 | 12 | No | Yes | $18000.00 |  | NO | $0.00 | $290.15 | $54.33 | Not Stated, not Verified | NO | 1 | 3 |  | No | No | Experienced | 41 | 5 | US Citizen |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 128249 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | 0.94 | 0.94 | $2858.00 |  |  |  | Yes | $81800.00 |  | YES | $9.17 | $577.60 | $266.09 | Stated, Verified | NO |  | 1 |  | No | No | Experienced | 17 | 2 | US Citizen |  | 797 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 164322 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $2238.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 1.21 | 1.21 | $2307.09 | 20221130 | 12 | Yes | Yes | $21000.00 |  | NO | $0.00 | $413.64 | $396.67 | Not Stated, not Verified | NO | 1 | 4 |  | No | No | Experienced | 23 | 7.5 | US Citizen | US Citizen | 784 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXXXX | FALSE |  |
| 961036 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1100 | 1.19 | 1.19 | $927.89 |  |  |  | Yes | $19000.00 |  | NO | $0.00 | $119.63 | $74.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 8 | 12 | US Citizen |  | 650 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Individual | Individual | XXXXXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 493162 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $3140.00 | $3140.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3140 | 1.04 | 1.04 | $3022.56 | 20220630 | 12 | No | Yes | $37680.00 |  | YES | $24.00 | $405.43 | $55.58 | Not Stated, not Verified | NO |  | 3 |  | No | No | Experienced | 153 | 0.8 | US Citizen |  | 733 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 927880 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1150.00 | $1250.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1150 | 1.16 | 1.16 | $989.22 | 20210801 | 1 | Yes | Yes | $55527.20 |  | NO | $0.00 | $121.39 | $35.33 | Not Stated, not Verified | NO | 4 | 12 |  | No | No | Experienced | 103 | 2 | US Citizen |  | 792 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Individual | Individual | XXXXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 311527 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $4200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4200 | 0.85 | 0.85 | $4917.16 |  |  |  | Yes | $30000.00 |  | YES | $452.00 | $1301.04 | $49.43 | Stated, Verified | NO |  | 2 |  | No | No | Experienced | 40 | 10 | US Citizen |  | 804 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 214970 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $10000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 10000 | 0.82 | 0.82 | $12230.35 |  |  |  | Yes | $74000.00 |  | YES | $3500.00 | $1606.64 | $181.50 | Stated, Verified | NO |  | 4 |  | No | No | Experienced | 19 | 4 | US Citizen | US Citizen | 762 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXXXX | FALSE |  |
| 824145 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1450 | 0.76 | 0.76 | $1895.48 |  |  |  | Yes | $9670.00 |  | NO | $0.00 | $389.59 | $318.75 | Not Stated, not Verified | NO | 1 | 2 |  | No | No | Experienced | 106 | 12 | US Citizen |  | 670 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 339089 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $9000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 9000 | 1.44 | 1.44 | $6244.94 |  |  |  | Yes | $68400.00 |  | NO | $0.00 | $1002.07 | $56.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 248 | 10 | US Citizen |  | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 233123 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.21 | 1.21 | $1410.33 |  |  |  | Yes | $25790.00 |  | NO | $0.00 | $261.48 | $112.67 | Not Stated, not Verified | NO | 1 | 1 |  | No | No | Experienced | 7 | 0.5 | US Citizen |  | 777 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 524757 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3500 | 1.31 | 1.31 | $2667.88 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $435.41 | $345.75 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 98 | 5.3 | US Citizen |  | 737 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 714195 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 0.75 | 0.75 | $2665.68 |  |  |  | Yes | $29100.00 |  | NO | $0.00 | $329.67 | $350.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 48 | 30 | US Citizen |  | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 477193 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1800 | 1.11 | 1.11 | $1620.34 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $115.65 | $93.75 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 8 | 9 | US Citizen |  | 712 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 326873 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $10000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 10000 | 1.22 | 1.22 | $8203.27 |  |  |  | No |  |  | NO | $0.00 | $1564.55 | $544.97 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 1094 | 4 | US Citizen | US Citizen | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 763450 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $7500.00 | $7300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 7300 | 1.07 | 1.07 | $6796.35 | 20221130 | 12 | No | Yes | $75000.00 |  | YES | $250.00 | $2061.25 | $91.51 | Stated, Verified | NO | 3 | 5 |  | No | No | Experienced | 263 | 20 | US Citizen |  | 757 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C1 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 463035 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $7200.00 | $7600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 7200 | 1.07 | 1.07 | $6737.54 | 20230204 | 12 | Yes | Yes | $75000.00 |  | YES | $33.33 | $2143.95 | $91.51 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 255 | 20 | US Citizen |  | 757 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 662475 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1650 | 1.22 | 1.22 | $1352.05 |  |  |  | Yes | $26400.00 |  | YES | $16.67 | $214.78 | $126.46 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 69 | 5.6 | US Citizen | US Citizen | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 2 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 733320 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $7300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 7300 | 1.57 | 1.57 | $4654.89 |  |  |  | Yes | $25000.00 |  | YES | $1522.00 | $359.64 | $278.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 116 | 40 | US Citizen |  | 798 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 978616 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $9000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 9000 | 1 | 1 | $9040.73 |  |  |  | Yes | $120000.00 |  | YES | $150.00 | $2277.56 | $200.67 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 465 | 2 | US Citizen |  | 773 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 105724 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2750 | 1 | 1 | $2761.56 |  |  |  | Yes | $37500.00 |  | YES | $92.00 | $375.41 | $94.42 | Stated, Verified | NO |  | 2 |  | No | No | Inexperienced | 45 | 4 | US Citizen | US Citizen | 775 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXX | Co-Borrower | Co-Borrower | XX | XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 927927 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1800 | 1.4 | 1.4 | $1288.34 |  |  |  | Yes | $38500.00 |  | NO | $0.00 | $289.66 | $71.76 | Stated, Verified | NO | 4 | 11 |  | No | No | Experienced | 87 | 2 | US Citizen |  | 792 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXXXX | FALSE |  |
| 691875 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1800 | 1.01 | 1.01 | $1789.38 |  |  |  | Yes | $30000.00 |  | YES | $110.00 | $423.73 | $63.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 8 | 31 | Non Permanent Resident Alien |  | 817 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C1 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 103812 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 1 | 1 | $2798.11 |  |  |  | Yes | $0.00 | Yes | YES | $69.00 | $703.12 | $141.67 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 65 | 20 | Permanent Resident Alien | US Citizen | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XX | Co-Borrower | Co-Borrower | XXXX | XXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 987291 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $3548.00 | $3800.00 | FNMA 1007/216 | Short Term Rental Documents | Yes |  | 0 |  |  | 3548.33 | 1.17 | 1.17 | $3024.55 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $515.91 | $160.76 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 87 | 5 | Permanent Resident Alien |  | 737 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 620976 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $2200.00 | $2400.00 | Other | Leases | No |  | 0 |  |  | 2200 | 1.48 | 1.48 | $1487.47 | 20231231 | 12 | No | Yes | $40000.00 |  | YES | $80.00 | $392.01 | $107.00 | Not Stated, not Verified | NO | 1 | 3 |  | No | No | Experienced | 102 | 15 | US Citizen | US Citizen | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 444404 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $6100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6100 | 1.24 | 1.24 | $4928.19 |  |  |  | Yes | $76530.00 |  | NO | $0.00 | $229.18 | $53.18 | Not Stated, not Verified | NO | 1 | 3 |  | No | No | Experienced | 96 | 2 | Permanent Resident Alien | US Citizen | 814 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXXXX | FALSE |  |
| 508923 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $5580.00 | $5700.00 | FNMA 1007/216 | Short Term Rental Documents | Yes |  | 0 |  |  | 5580 | 1.05 | 1.05 | $5310.02 |  |  |  | Yes | $2000000.00 |  | NO | $0.00 | $740.28 | $53.33 | Not Stated, not Verified | NO | 1 | 4 |  | No | No | Experienced | 57 | 1.3 | US Citizen |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 517014 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 1.48 | 1.48 | $1012.77 |  |  |  | Yes | $25000.00 |  | NO | $0.00 | $281.47 | $37.08 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 251 | 6 | US Citizen |  | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXX | XX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C1 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 635482 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NORATIO | Yes | No | $0.00 | $16500.00 | FNMA 1007/216 |  | No |  | 0 |  |  | 0 |  |  | $10581.74 |  |  |  | Yes | $66500.00 |  | NO | $0.00 | $2931.25 | $810.91 | Stated, Verified | NO | 2 | 8 |  | No | No | Experienced | 24 | 0.3 | US Citizen | US Citizen | 797 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXX | Co-Borrower | Co-Borrower | XXX | XXXX | Co-Borrower | XX | XXX | Co-Borrower | XXX | XXXX | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C1 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 146600 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3000 | 1.23 | 1.23 | $2447.59 |  |  |  | Yes | $32050.00 |  | NO | $0.00 | $302.75 | $317.09 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 13 | 7 | US Citizen | US Citizen | 784 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXXXX | FALSE |  |
| 542750 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | 0.85 | 0.85 | $3167.54 |  |  |  | Yes | $50000.00 |  | NO | $0.00 | $103.98 | $82.67 | Stated, Verified | NO | 1 | 16 |  | No | No | Experienced | 680 | 8 | US Citizen |  | 725 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 979802 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NORATIO | Yes | No | $0.00 | $3650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 0 |  |  | $3405.40 |  |  |  | Yes | $97900.00 |  | NO | $0.00 | $268.59 | $125.95 | Not Stated, not Verified | NO | 1 | 3 |  | No | No | Experienced | 142 | 0.1 | US Citizen |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXXXX | FALSE |  |
| 901122 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1970.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1970 | 1.42 | 1.42 | $1384.04 |  |  |  | Yes | $10000.00 |  | NO | $0.00 | $212.33 | $120.25 | Stated, Verified | NO |  | 12 |  | No | No | Experienced | 419 | 2.6 | US Citizen |  | 693 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 562658 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1700.00 | $1800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1700 | 1.2 | 1.2 | $1416.08 | 20211130 | 12 | No | Yes | $25700.00 |  | NO | $0.00 | $114.00 | $64.42 | Not Stated, not Verified | NO |  | 8 |  | No | No | Experienced | 146 | 2 | US Citizen |  | 702 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Individual | Individual | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 951591 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1850.00 | $1850.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1850 | 1.54 | 1.54 | $1199.58 | 20211130 | 1 | Yes | Yes | $22500.00 |  | NO | $0.00 | $183.88 | $93.67 | Not Stated, not Verified | NO | 1 | 6 |  | No | No | Experienced | 181 | 19 | US Citizen |  | 761 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 380746 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $3100.00 | $3400.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3100 | 0.94 | 0.94 | $3303.45 | 20230331 | 12 | No | Yes | $30000.00 |  | NO | $0.00 | $438.88 | $379.65 | Not Stated, not Verified | NO | 2 | 5 |  | No | No | Experienced | 45 | 21 | US Citizen |  | 717 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Individual | Individual | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 139904 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 1.66 | 1.66 | $1924.33 |  |  |  | Yes | $53500.00 |  | NO | $0.00 | $167.25 | $107.08 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 163 | 22 | US Citizen | US Citizen | 777 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXX | Individual | Individual | XXXXXX | XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 943522 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 1.73 | 1.73 | $1852.26 |  |  |  | Yes | $53500.00 |  | NO | $0.00 | $95.18 | $107.08 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 72 | 22 | US Citizen | US Citizen | 777 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXX | Individual | Individual | XXXXXX | XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 135971 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $4900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4900 | 1.06 | 1.06 | $4611.69 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $52.57 | $231.00 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 885 | 1 | US Citizen |  | 785 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 687633 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 1.21 | 1.21 | $2308.33 |  |  |  | Yes | $33500.00 |  | NO | $0.00 | $410.74 | $59.56 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 22 | 5 | US Citizen | US Citizen | 714 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C1 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 680133 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1975.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1975 | 1 | 1 | $1974.80 |  |  |  | Yes | $30000.00 |  | YES | $133.33 | $271.67 | $205.75 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Inexperienced | 87 | 1 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXXXX | XXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXXXXXX | XXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX | FALSE |  |
| 643385 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $10000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 10000 | 1 | 1 | $9965.96 |  |  |  | Yes | $140000.00 |  | YES | $75.00 | $1564.24 | $1709.64 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 116 | 6.2 | US Citizen |  | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 359293 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NORATIO | Yes | No | $0.00 | $5500.00 | FNMA 1007/216 |  | No |  | 0 |  |  | 0 |  |  | $8022.25 |  |  |  | Yes | $75000.00 |  | NO | $0.00 | $292.92 | $350.16 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 106 | 1.6 | US Citizen |  | 776 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXXXX | FALSE |  |
| 253301 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2525.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2525 | 1.07 | 1.07 | $2349.61 |  |  |  | Yes | $32955.00 |  | YES | $181.00 | $523.78 | $398.16 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 18 | 12 | Permanent Resident Alien |  | 757 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXXX | Individual | Individual | XXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 943213 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1900.00 | $2500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1900 | 0.94 | 0.94 | $2031.96 | 20221231 | 12 | Yes | Yes | $25200.00 |  | NO | $0.00 | $361.36 | $202.25 | Stated, Verified | NO | 1 | 10 |  | No | No | Experienced | 11 | 4 | US Citizen | US Citizen | 736 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX | Individual | Individual | XXXXX | XXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 844603 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NORATIO | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 |  | No |  | 0 |  |  | 0 |  |  | $2064.65 |  |  |  | Yes | $20000.00 |  | NO | $0.00 | $314.26 | $244.17 | Not Stated, not Verified | NO |  | 1 |  | No | No | Experienced | 22 | 4 | US Citizen | US Citizen | 736 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 186289 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1475.00 | $1600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1475 | 1.09 | 1.09 | $1355.60 | 20220911 | 12 | No | Yes | $15600.00 |  | NO | $0.00 | $239.97 | $122.00 | Not Stated, not Verified | NO | 1 | 7 |  | No | No | Experienced | 111 | 17 | US Citizen |  | 701 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 209639 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2600.00 | Other | Other | No |  | 0 |  |  | 2600 | 1.46 | 1.46 | $1785.89 |  |  |  | Yes | $31200.00 |  | NO | $0.00 | $241.47 | $93.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 51 | 5 | US Citizen | US Citizen | 803 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX | Primary | Primary | XXXXXX | XXX | Co-Borrower | Co-Borrower | XXXXXX | XXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 364088 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $4000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4000 | 1.4 | 1.4 | $2849.71 |  |  |  | Yes | $56000.00 |  | NO | $0.00 | $572.92 | $111.17 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 2 | 25 | US Citizen |  | 710 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 678425 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3800 | 1.04 | 1.04 | $3670.66 |  |  |  | Yes | $0.00 | Yes | YES | $1067.00 | $493.23 | $160.75 | Stated, Verified | NO |  | 3 |  | No | No | Experienced | 32 | 1.2 | US Citizen |  | 713 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 849789 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2050.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2050 | 1 | 1 | $2047.30 |  |  |  | Yes | $23740.00 |  | YES | $100.00 | $279.72 | $67.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 9 | 1 | US Citizen | Permanent Resident Alien | 697 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXXXXXXXX | Co-Borrower | XXXXXXX | XXXX |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 161057 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NORATIO | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 0 | 0 | 0 | $2623.81 |  |  |  | Yes | $87300.00 |  | NO | $0.00 | $520.88 | $103.26 | Not Stated, not Verified | NO | 1 | 2 |  | No | No | Experienced | 156 | 1.9 | US Citizen |  | 801 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 570860 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $8500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 8500 | 1.16 | 1.16 | $7315.25 |  |  |  | Yes | $5000.00 |  | NO | $0.00 | $669.18 | $601.67 | Stated, Verified | NO |  | 3 |  | No | No | Experienced | 33 | 7 | US Citizen |  | 704 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 696130 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 1.17 | 1.17 | $2737.35 |  |  |  | Yes | $25400.00 |  | NO | $0.00 | $395.60 | $100.83 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 11 | 1.7 | US Citizen |  | 696 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXXXX | FALSE |  |
| 376085 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2100 | 1.01 | 1.01 | $2079.58 |  |  |  | Yes | $42000.00 |  | NO | $0.00 | $525.00 | $84.58 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 21 | 7 | US Citizen | US Citizen | 807 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXXXXXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C1 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 675540 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1200.00 | $1825.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1200 | 0.94 | 0.94 | $1272.87 | 20220531 | 12 | No | Yes | $13000.00 |  | NO | $0.00 | $339.28 | $116.92 | Not Stated, not Verified | NO | 1 | 2 |  | No | No | Experienced | 69 | 23 | US Citizen |  | 737 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 912164 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1495.00 | $1550.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1495 | 1.02 | 1.02 | $1374.68 | 20230228 | 12 | No | Yes | $12000.00 |  | YES | $172.00 | $84.69 | $36.06 | Not Stated, not Verified | NO |  | 3 |  | No | No | Experienced | 61 | 5 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 867535 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3100 | 1.07 | 1.07 | $2899.94 |  |  |  | Yes | $87053.00 |  | NO | $0.00 | $787.96 | $73.53 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 5 | 4 | US Citizen |  | 724 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 155869 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $4315.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4315 | 1.4 | 1.4 | $3092.30 |  |  |  | Yes | $37500.00 |  | NO | $0.00 | $549.08 | $101.33 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 1 | 7 | US Citizen |  | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 417027 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3150.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3150 | 1.48 | 1.48 | $2121.89 |  |  |  | Yes | $25000.00 |  | NO | $0.00 | $370.18 | $245.50 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 50 | 16 | US Citizen |  | 764 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 792954 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NORATIO | Yes | No | $0.00 | $2900.00 | FNMA 1007/216 |  | No |  | 0 |  |  | 0 |  |  | $4723.78 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $1020.83 | $41.07 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 65 | 7.1 | US Citizen |  | 736 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 577047 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $4000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4000 | 0.85 | 0.85 | $4718.65 |  |  |  | Yes | $68500.00 |  | YES | $381.00 | $621.64 | $273.42 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 144 | 2 | US Citizen |  | 776 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 990725 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $8250.00 | $8100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 8100 | 1.38 | 1.38 | $5873.40 | 20241001 | 36 | Yes | Yes | $0.00 | Yes | NO | $0.00 | $785.76 | $67.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 56 | 26 | US Citizen |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 280714 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1400.00 | $2100.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1400 | 1.1 | 1.1 | $1269.65 | 20231101 | 36 | Yes | Yes | $27000.00 |  | NO | $0.00 | $77.40 | $47.47 | Not Stated, not Verified | NO | 1 | 3 |  | No | No | Experienced | 131 | 4 | US Citizen |  | 711 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 339707 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $4800.00 | Other | Other | No |  | 0 |  |  | 4800 | 1.18 | 1.18 | $4066.64 |  |  |  | Yes | $27500.00 |  | NO | $0.00 | $721.24 | $157.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 31 | 8.5 | US Citizen |  | 802 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 113455 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $19500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 13650 | 1.21 | 1.21 | $11282.56 |  |  |  | Yes | $200000.00 |  | YES | $406.00 | $725.23 | $618.00 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 298 | 2 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXX | XXXXXXX |  | US Citizen | Stated, Verified | 788 | 773 | 717 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX | FALSE |  |
| 451144 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3800 | 1.02 | 1.02 | $3727.30 |  |  |  | Yes | $60900.00 |  | YES | $112.00 | $761.05 | $90.00 | Stated, Verified | NO |  | 1 |  | Yes | No | Experienced | 127 | 2 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C1 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 886928 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1400 | 1.11 | 1.11 | $1261.38 |  |  |  | Yes | $1200.00 |  | YES | $180.00 | $55.63 | $101.50 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 45 | 0.2 | US Citizen |  | 763 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 824740 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1775.00 | $1700.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1775 | 1.62 | 1.62 | $1099.00 | 20221114 | 12 | No | Yes | $21300.00 |  | NO | $0.00 | $30.20 | $95.90 | Not Stated, not Verified | NO |  | 1 |  | No | No | Experienced | 34 | 5 | US Citizen |  | 761 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 191529 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $3250.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 0.96 | 0.96 | $2494.27 | 20220831 | 12 | Yes | Yes | $0.00 | Yes | YES | $177.00 | $438.86 | $20.00 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 30 | 11 | US Citizen |  | 795 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 106520 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 1.03 | 1.03 | $2427.29 |  |  |  | Yes | $20750.00 |  | NO | $0.00 | $340.11 | $309.92 | Stated, Verified | NO |  | 7 |  | No | No | Experienced | 45 | 0.6 | US Citizen | US Citizen | 798 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 646730 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 1.15 | 1.15 | $1732.83 |  |  |  | Yes | $16500.00 |  | NO | $0.00 | $51.72 | $84.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 9 | 5 | US Citizen |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 310568 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1650 | 1.17 | 1.17 | $1415.60 |  |  |  | Yes | $27000.00 |  | NO | $0.00 | $251.63 | $134.58 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 17 | 15 | US Citizen | US Citizen | 780 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 308645 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1750 | 1.06 | 1.06 | $1646.15 |  |  |  | Yes | $10000.00 |  | NO | $0.00 | $251.23 | $117.67 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 43 | 7 | US Citizen |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 753681 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 0.88 | 0.88 | $2852.65 |  |  |  | Yes | $11000.00 |  | YES | $375.00 | $422.54 | $64.10 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 17 | 0.1 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 593624 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1500.00 | $2500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1500 | 1.13 | 1.13 | $1325.54 |  | 12 | Yes | Yes | $0.00 | Yes | NO | $0.00 | $424.82 | $150.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 86 | 4 | US Citizen |  | 710 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 259067 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1499.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.19 | 1.19 | $1433.97 | 20230323 | 12 | No | Yes | $24981.00 |  | NO | $0.00 | $282.52 | $51.42 | Stated, Verified | NO |  | 11 |  | No | No | Experienced | 154 | 3 | US Citizen |  | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 699848 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1750 | 1.02 | 1.02 | $1717.56 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $165.18 | $118.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 15 | 3 | US Citizen | US Citizen | 807 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXXXXXX | XXXXXXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C2 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 462098 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $1395.00 | $1495.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1495 | 1.16 | 1.16 | $1292.92 | 20230430 | 12 |  | Yes | $12000.00 |  | YES | $200.00 | $66.30 | $198.50 | Stated, Verified | NO |  | 1 |  | No | No | Experienced | 39 | 5 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 802852 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1950 | 0.97 | 0.97 | $2015.76 |  |  |  | Yes | $0.00 | Yes | YES | $240.00 | $260.73 | $28.66 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 7 | 23 | US Citizen |  | 753 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 396171 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1 | 1 | $1698.94 |  |  |  | Yes | $60300.00 |  | YES | $29.17 | $251.33 | $109.26 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 27 | 3 | US Citizen |  | 789 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 584781 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $4400.00 | $2100.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4400 | 1.34 | 1.34 | $3276.76 |  | 12 | Yes | No |  |  | NO | $0.00 | $290.98 | $84.78 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 93 | 12 | US Citizen |  | 799 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 366348 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $4500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4500 | 1.15 | 1.15 | $3918.50 |  |  |  | Yes | $20000.00 |  | NO | $0.00 | $676.04 | $592.76 | Stated, Verified | NO | 1 | 3 |  | Yes | Yes | Experienced | 124 | 0 | Non Permanent Resident Alien | Non Permanent Resident Alien | 680 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 520685 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NORATIO | Yes | No | $0.00 | $5500.00 | FNMA 1007/216 |  | No |  | 0 |  |  | 0 |  |  | $9698.43 |  |  |  | Yes | $50000.00 |  | YES | $87.00 | $2083.33 | $217.68 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 112 | 5 | US Citizen | US Citizen | 784 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXX | Co-Borrower | Co-Borrower | XXXXXX | XXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 346939 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.03 | 1.03 | $1651.10 |  |  |  | Yes | $57660.00 |  | NO | $0.00 | $391.06 | $47.47 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 578 | 21 | US Citizen |  | 724 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXX | XXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 870349 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1775.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1775 | 0.94 | 0.94 | $1885.18 |  |  |  | Yes | $9300.00 |  | YES | $275.00 | $119.71 | $93.47 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 280 | 4 | US Citizen |  | 757 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 536156 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 0.9 | 0.9 | $1898.10 |  |  |  | Yes | $13300.00 |  | NO | $0.00 | $41.05 | $410.16 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 62 | 10 | US Citizen | US Citizen | 705 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 389887 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $6300.00 | $9500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 6300 | 1.01 | 1.01 | $6209.19 | 20230331 | 12 | No | Yes | $170000.00 |  | NO | $0.00 | $961.53 | $93.33 | Stated, Verified | NO |  | 3 |  | No | No | Experienced | 197 | 25 | US Citizen |  | 777 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXX | XXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 268849 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2300 | 1.08 | 1.08 | $2119.95 |  |  |  | Yes | $21220.00 |  | NO | $0.00 | $167.95 | $481.83 | Stated, Verified | NO | 1 | 2 |  | Yes | No | Experienced | 46 | 2 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 196919 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2300 | 1.48 | 1.48 | $1556.04 |  |  |  | Yes | $37200.00 |  | NO | $0.00 | $43.83 | $53.37 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 26 | 0.8 | US Citizen | US Citizen | 719 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C1 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 573660 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $8455.00 | $8300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 8300 | 1.36 | 1.36 | $6090.09 | 20150401 | 1 | Yes | Yes | $0.00 | Yes | NO | $0.00 | $367.78 | $175.91 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 31 | 16 | US Citizen |  | 747 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 975156 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3450 | 0.77 | 0.77 | $4462.71 |  |  |  | Yes | $43500.00 |  | NO | $0.00 | $235.71 | $165.04 | Stated, Verified | NO |  | 9 |  | No | No | Experienced | 195 | 6.2 | US Citizen | US Citizen | 761 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower | XX | XXXXXX |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 611409 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $3575.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3575 | 0.79 | 0.79 | $4502.84 |  |  |  | Yes |  |  | YES | $295.00 | $723.36 | $310.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 456 | 2 | US Citizen |  | 777 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXX | FALSE |  |
| 242402 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $8400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 8400 | 1.08 | 1.08 | $7774.53 |  |  |  | Yes | $140000.00 |  | NO | $0.00 | $1087.65 | $933.33 | Stated, Verified | NO |  | 16 |  | No | No | Experienced | 78 | 11 | US Citizen |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXX | XXXXXXXXXX |  | US Citizen | Stated, Verified | 769 | 779 | 769 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX | FALSE |  |
| 232002 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ALTDOC | Yes | No | $0.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 36.35 |  | 0 |  |  | $2818.81 |  |  |  | No |  |  | NO | $0.00 | $591.05 | $127.76 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 32 | 14 | US Citizen | US Citizen |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXXXXX | XXXXX |  | US Citizen | Stated, Verified | 787 | 806 | 800 | XXXXXXXXX | XXXXX |  | US Citizen | Stated, Verified | 805 | 806 | 792 | Unemployed | Employed | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX | FALSE |  |
| 787293 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | Yes | $2350.00 | $1900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1900 | 0.85 | 0.85 | $2231.15 | 20221130 | 12 | No | No |  |  | YES | $425.12 | $233.85 | $24.25 | Stated, Verified | NO |  | 2 |  | No | No | Experienced | 21 | 14 | US Citizen |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXXXX | XXXXXXXXX |  | US Citizen | Stated, Verified | 699 | 722 | 686 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C3 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX | FALSE |  |
| 338396 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage | Yes | No | $0.00 | $4500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4500 | 1.07 | 1.07 | $4055.75 |  |  |  | No |  |  | NO | $0.00 | $555.08 | $175.17 | Stated, Verified | NO |  | 1 |  | No | No | Inexperienced | 7 | 12 | Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX | XXXXXXX |  | Permanent Resident Alien | Stated, Verified | 766 | 775 | 777 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | C4 | XXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX | FALSE |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](amc-bravo_logo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans acquired by Loan Funding Structure LLC (the "Client"). These mortgage loans, which were originated by multiple parties, were purchased by the Client in multiple bulk transactions or via Reliance Letter and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

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

The diligence review (the "Review") was conducted on a portion of the securitization mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC did not review all of the mortgage loans in the securitization loan population for a specific scope of review.

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

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit and Compliance Review": 172 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Leases Review": 44 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Guideline Review" 23 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity Review": 239 mortgage loans

Throughout the securitization process, the Client may have removed or added various mortgage loans from the securitization population for reasons that are unknown to AMC. AMC's disclosures herein reflect findings on the securitization population (as known by AMC) as of the date hereof.

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

The Compliance Review was conducted consistent with the criteria for the NRSRO(s) identified in Item 3 of the Form ABS Due Diligence-15E.

**(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 file as captured during the Compliance Review. The scope of this review and the findings are detailed later in this document.

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

**<u>CREDIT AND COMPLIANCE SCOPE (172 Mortgage Loans)</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, 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.

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**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.

**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 (a) 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.

**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.

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

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![](amc-bravo_logo.jpg)

**<u>LEASES SCOPE (44 Mortgage Loans)</u>**

**<u>DOCUMENT REVIEW</u>**

For each Loan, AMC will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose / non-owner occupancy, (l) articles of incorporation, if applicable, (m) operating agreement, and (n) background check.

**<u>CREDIT REVIEW</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

**Credit Application:** For the Credit Application, AMC will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

**Credit Report:** AMC will verify (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

**Employment and Income:** AMC will determine whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

**Borrowing Entity:** AMC will verify the borrowing entity, if not an individual, is properly documented. In addition, AMC will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

**Property income:** AMC will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

**Valuation Review:** AMC's review will include 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 will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) 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, (iv) 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 will (i) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review include (i) verifying that the address matched the mortgage note, (ii) 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

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subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

**Asset Review:** AMC will assess whether the asset documentation required by the guidelines is present in the file. AMC will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

**Insurance:** AMC will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC will also review the Title Commitment for the disclosure 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; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC will review for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, AMC will look for an independent, third party fraud report and background check 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.

**<u>DATA COLLECTION</u>**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

**(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, (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, 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.

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 or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process. If more

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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.

**<u>Guideline Review (23 Mortgage Loans)</u>**

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 |  |

---

Each loan was reviewed for adherence to the most recent Master Credit Policy ("MCP") revision that is dated prior to the loan approval date as indicated on the Final Loan Approval Worksheet for the loan being reviewed.

For this review, the procedures included:

■ Reviewing the provided Note,
Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the MCP, 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 adheres to the MCP.

■ Reviewing environmental reporting,
Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to MCP requirements.

■ Reviewing credit reporting,
VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to MCP 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 MCP requirements.

■ Reviewing LOI/LOE(s) for presence
of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOI 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 adheres to MCP requirements.

■ Confirming, if applicable, second
mortgage documents are present, valid, align with approved terms amounts, and adhere to MCP 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 a completed fields, and verifying that that
the hand written Primary Residence address differs from the subject property address, and is signed/dated as required.

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■ 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
MCP exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue.

**(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 4.0 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.

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;

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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.

&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.

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&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.

**(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;

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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)).

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

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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 mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage 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, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation 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.

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.

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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

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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, 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.**

**Data Integrity Review (239 Mortgage Loans):** AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by time period of transaction.

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

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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.

**(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** 

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

**COMPLIANCE RESULTS SUMMARY**

Please note that 44 Leases Reviews and 23 Guideline Reviews were not subjected to a compliance review and did not receive a compliance grade. Of the remaining 172 mortgage loans under the Fitch rating criteria, 76 (44.19%) mortgage loans received an "A" compliance grade, and 96 (55.81%) mortgage loans received a "B" compliance grade.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Compliance** | &nbsp;&nbsp;**Fitch Compliance** | &nbsp;&nbsp;**Fitch Compliance** | &nbsp;&nbsp;**Fitch Compliance** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Compliance Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;76 | &nbsp;&nbsp;31.80% | &nbsp;&nbsp;44.19% |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;B | &nbsp;&nbsp;96 | &nbsp;&nbsp;40.17% | &nbsp;&nbsp;55.81% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;67 | &nbsp;&nbsp;28.03% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**239** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

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**CREDIT RESULTS SUMMARY**

Within the securitization population, 156 (65.27%) of the mortgage loans received an "A" credit grade, 80 (33.47%) of the mortgage loans received a "B" credit grade and 3 (1.26%) of the mortgage loans received a "C" credit grade

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Credit** | &nbsp;&nbsp;**Fitch Credit** | &nbsp;&nbsp;**Fitch Credit** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;156 | &nbsp;&nbsp;65.27% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;80 | &nbsp;&nbsp;33.47% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.26% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**239** | &nbsp;&nbsp;**100.00%** |

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**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population under the Fitch rating criteria 238 (99.58%) of the mortgage loans received an "A" property grade and 1 (0.42%) of the mortgage loans received an "C" property grade

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Property/Valuation** | &nbsp;&nbsp;**Fitch Property/Valuation** | &nbsp;&nbsp;**Fitch Property/Valuation** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;238 | &nbsp;&nbsp;99.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**239** | &nbsp;&nbsp;**100.00%** |

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**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections above, under the Fitch ratings criteria, 98.33% of the loans by number in the pool possessed a NRSRO grade of "A" or "B".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Overall** | &nbsp;&nbsp;**Fitch Overall** | &nbsp;&nbsp;**Fitch Overall** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100 | &nbsp;&nbsp;41.84% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;135 | &nbsp;&nbsp;56.49% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.67% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**239** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION SUMMARY (239 Mortgage Loans)**

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. The overall loan grade is the lowest grade for any one particular

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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").

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| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Fitch Final Exception Rating** | **Exception Category** | **Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;92 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;48 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete GFE | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***237*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**237** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Credit Grade (C) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Small Balance Commercial | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***120*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**123** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**361** |

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**DATA INTEGRITY REVIEW RESULTS SUMMARY (239 Mortgage Loans)**

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AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by the time period of the transaction. The information provided below is based upon the relevant data capture and bid tape elements for a specific transaction, as may be unique for that transaction, within the reviews that occurred to the associated mortgage loans that are included in the securitization population.

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| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;8 | &nbsp;&nbsp;95 | &nbsp;&nbsp;8.42% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;34 | &nbsp;&nbsp;11.76% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;24 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;49 | &nbsp;&nbsp;6.12% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;2 | &nbsp;&nbsp;46 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;74 | &nbsp;&nbsp;2.70% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;29 | &nbsp;&nbsp;48.28% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;78 | &nbsp;&nbsp;2.56% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;24 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.67% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;2 | &nbsp;&nbsp;29 | &nbsp;&nbsp;6.90% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;9 | &nbsp;&nbsp;24 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Investment Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;11 | &nbsp;&nbsp;79 | &nbsp;&nbsp;13.92% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;1 | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.67% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;96 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;3 | &nbsp;&nbsp;34 | &nbsp;&nbsp;8.82% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;45 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Next Interest Rate Change Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;35 | &nbsp;&nbsp;94 | &nbsp;&nbsp;37.23% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;73 | &nbsp;&nbsp;2.74% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;112 | &nbsp;&nbsp;0.89% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;108 | &nbsp;&nbsp;2.78% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;13 | &nbsp;&nbsp;40 | &nbsp;&nbsp;32.50% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;100 | &nbsp;&nbsp;1.00% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;6 | &nbsp;&nbsp;52 | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;38 | &nbsp;&nbsp;23.68% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;10 | &nbsp;&nbsp;106 | &nbsp;&nbsp;9.43% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198** | &nbsp;&nbsp;**2751** | &nbsp;&nbsp;**7.20%** | &nbsp;&nbsp;**239** |

---

In total, 198 data variances were found across 35 unique data fields in the sample. Please note that not all data fields would have been available for all loans.

**ADDITIONAL SUMMARY (239 Mortgage Loans)**

16 \| P a g e

![](amc-bravo_logo.jpg)

*Some % of Loans may not add to 100% due to rounding*

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;159 | &nbsp;&nbsp;66.53% | &nbsp;&nbsp;$57336144.00 | &nbsp;&nbsp;60.80% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;80 | &nbsp;&nbsp;33.47% | &nbsp;&nbsp;$36972369.00 | &nbsp;&nbsp;39.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**239** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$94308513.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;239 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$94308513.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**239** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$94308513.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.09% | &nbsp;&nbsp;$999500.00 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.42% | &nbsp;&nbsp;$520000.00 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;61 | &nbsp;&nbsp;25.52% | &nbsp;&nbsp;$20887951.00 | &nbsp;&nbsp;22.15% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;37 | &nbsp;&nbsp;15.48% | &nbsp;&nbsp;$18727407.00 | &nbsp;&nbsp;19.86% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;111 | &nbsp;&nbsp;46.44% | &nbsp;&nbsp;$41828415.00 | &nbsp;&nbsp;44.35% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;24 | &nbsp;&nbsp;10.04% | &nbsp;&nbsp;$11345240.00 | &nbsp;&nbsp;12.03% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**239** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$94308513.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.42% | &nbsp;&nbsp;$531200.00 | &nbsp;&nbsp;0.56% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;236 | &nbsp;&nbsp;98.74% | &nbsp;&nbsp;$92618813.00 | &nbsp;&nbsp;98.21% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.84% | &nbsp;&nbsp;$1158500.00 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**239** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$94308513.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;83 | &nbsp;&nbsp;34.73% | &nbsp;&nbsp;$35905149.00 | &nbsp;&nbsp;38.07% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;30 | &nbsp;&nbsp;12.55% | &nbsp;&nbsp;$8497651.00 | &nbsp;&nbsp;9.01% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;21 | &nbsp;&nbsp;8.79% | &nbsp;&nbsp;$6714100.00 | &nbsp;&nbsp;7.12% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.84% | &nbsp;&nbsp;$514795.00 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;55 | &nbsp;&nbsp;23.01% | &nbsp;&nbsp;$24136674.00 | &nbsp;&nbsp;25.59% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.84% | &nbsp;&nbsp;$278560.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.26% | &nbsp;&nbsp;$909090.00 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.86% | &nbsp;&nbsp;$4879750.00 | &nbsp;&nbsp;5.17% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.93% | &nbsp;&nbsp;$3923501.00 | &nbsp;&nbsp;4.16% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.26% | &nbsp;&nbsp;$1766000.00 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;19 | &nbsp;&nbsp;7.95% | &nbsp;&nbsp;$6783243.00 | &nbsp;&nbsp;7.19% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**239** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$94308513.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;122 | &nbsp;&nbsp;51.05% | &nbsp;&nbsp;$55652509.00 | &nbsp;&nbsp;59.01% |

---

17 \| P a g e

![](amc-bravo_logo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;97 | &nbsp;&nbsp;40.59% | &nbsp;&nbsp;$33053517.00 | &nbsp;&nbsp;35.05% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;20 | &nbsp;&nbsp;8.37% | &nbsp;&nbsp;$5602487.00 | &nbsp;&nbsp;5.94% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**239** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$94308513.00** | &nbsp;&nbsp;**100.00%** |

---

18 \| P a g e

## Exhibit 99.3

![](situsamc_logo.jpg)

**Loan Level Exception - Final Grades** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | XXXX | 920750 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 278703 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 584879 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 720554 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception in file for private party VOM with supporting<br> documentation-missing one month because borrower has lost the verification. | REVIEWER - WAIVED COMMENT (2019-06-19): Client elects to waive guideline requirement | 1 |  |  |  |  |  |  |  |  | FICO 788, Reduction in interest rate XX toXX, VOM and Mortgage on credit 0x30x12 |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 631405 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 741346 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Credit Documentation - Aged document: Credit Report is more than<br> 90 days prior to the note date.: Credit Report: Original // Borrower: XXXX<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value<br> discrepancy.: Calculated loan to value percentage of 75.00000%<br> exceeds Guideline loan to value percentage of 70.00000%. | Per guidelines, condo has a max of 70% | REVIEWER - WAIVED COMMENT (2019-06-19): Client elects to waive guideline requirement<br> BUYER - GENERAL COMMENT (2019-06-19): Lender load exception uploaded.<br> REVIEWER - WAIVED COMMENT (2019-06-19): Client elects to waive guideline requirement<br> BUYER - GENERAL COMMENT (2019-06-19): Lender load exception uploaded. | 1 |  |  |  |  |  |  |  |  | FICO 705, ReservesXXX months |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 892237 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 845206 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. |  | REVIEWER - WAIVED COMMENT (2019-06-19): Client elects to waive guideline requirement | 1 |  |  |  |  |  |  |  |  | FICO 701, DSCR greater than 1.00%, 0x30x12 mortgage rating |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 121669 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 383613 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 409745 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 422189 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 222024 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 918579 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 883627 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 821354 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 743093 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 882363 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 607777 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 179774 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 956064 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 964947 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 857309 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 951229 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 938195 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 458633 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 933221 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender Exception in file for No Housing History. | REVIEWER - WAIVED COMMENT (2020-03-04): Client elects to waive the exception with verified compensation factors<br> REVIEWER - RE-OPEN COMMENT (2020-03-05): Re-opening exception since did not waive down to EV2 when initially waived.<br> REVIEWER - WAIVED COMMENT (2020-03-05): DSCR at least 1.05, Reserves at least 10 months and Experienced Investor. | 1 |  |  |  |  |  |  |  |  | Borrower's Experience/Track Record<br>Borrower's PITIA reserves are above the minimum amount of 6 months<br>The qualifying DSCR on the loan is greater than the guideline minimum.<br>The qualifying DSCR on the loan is greater than the guideline minimum. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 382463 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 751088 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 184242 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 767495 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 946649 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 176059 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 287645 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 767434 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 430081 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 818741 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 998228 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 752372 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 540124 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 537536 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Issue: Refinance seasoning requirements not met | If Cash-Out Seasoning from the original purchase date is between (6) to (12) months, the appraised value may be utilized to determine property value with the following restrictions: The loan amount may not exceed 100% of the acquisition cost plus documented improvements. Evidence of documented improvements was not provided and loan amount exceed 100% of acquisition cost which is $XXXX. | BUYER - GENERAL COMMENT (2020-03-27): See Attached<br> REVIEWER - WAIVED COMMENT (2020-03-30): Client elects to waive the exception with verified compensation factors | 1 |  |  |  |  |  |  |  |  | Borrower's FICO score is above the minimum by 20 points or more.<br>Borrower's PITIA reserves are above the minimum amount of 6 months<br>The qualifying DSCR on the loan is greater than the guideline minimum. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 589606 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 986334 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 638593 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] General - FICO score is less than required by guidelines. Investor requirements for minimum FICO score have not been met. | Lender approved exception for mortgage history of 2x30 (XX/XXXX, XX/XXXX) vs program requirement of maximum permitted mortgage delinquency of 1x30x12<br> Lender approved exception to allow FICO score of XXX vs program requirement of 640 | REVIEWER - WAIVED COMMENT (2018-10-29): [Redacted] has elected to waive this exception based on compensating factors.<br> REVIEWER - WAIVED COMMENT (2018-10-29): [Redacted] has elected to waive this exception based on compensating factors. | 1 |  |  |  |  |  |  |  |  | XX months reserves > program requirement of 3 months<br>DSC of 126% > program requirement of 100%<br>Experienced investor<br>LTV of 50% < program maximum of 65%<br>No public records<br>Primary residence mortgage history is 0x30x18 |  | - B | N/A | N/A | N/A | N/A | N/A B |

---

## Exhibit 99.3

![](situsamc_logo.jpg)

**Exception Grades** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Loan 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** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | 720554 |  | 12366510 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for private party VOM with supporting documentation-missing one month because borrower has lost the verification. | FICO 788, Reduction in interest rate XX toXX, VOM and Mortgage on credit 0x30x12 |  | Originator | Reviewer Comment (2019-06-19): Client elects to waive guideline requirement |  |  | XX/XX/XXXX 1:40:20 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 741346 |  | 12366497 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Per guidelines, condo has a max of 70% | FICO 705, ReservesXXX months |  | Originator | Reviewer Comment (2019-06-19): Client elects to waive guideline requirement<br>Buyer Comment (2019-06-19): Lender load exception uploaded. |  |  | XX/XX/XXXX 6:16:40 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 741346 |  | 12366498 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  |  | FICO 705, ReservesXXX months |  | Originator | Reviewer Comment (2019-06-19): Client elects to waive guideline requirement<br>Buyer Comment (2019-06-19): Lender load exception uploaded. |  |  | XX/XX/XXXX 6:16:45 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 845206 |  | 12366517 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | FICO 701, DSCR greater than 1.00%, 0x30x12 mortgage rating |  | Originator | Reviewer Comment (2019-06-19): Client elects to waive guideline requirement |  |  | XX/XX/XXXX 11:49:41 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 933221 |  | 17851000 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file for No Housing History. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.10 is greater than the minimum required DSCR of 1.00. <br> DSCR at least 1.05, Reserves at least 10 months and Experienced Investor. | SitusAMC,Aggregator | Reviewer Comment (2020-03-05): DSCR at least 1.05, Reserves at least 10 months and Experienced Investor.<br>Reviewer Comment (2020-03-05): Re-opening exception since did not waive down to EV2 when initially waived.<br>Reviewer Comment (2020-03-04): Client elects to waive the exception with verified compensation factors |  |  | XX/XX/XXXX 4:01:39 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | 537536 |  | 17851070 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  |  | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's PITIA reserves are above the minimum amount of 6 months<br>Borrower's FICO score is above the minimum by 20 points or more. | DSCR 1.08<br>Reserves XX months<br>FICO 707 (27 points above 680) | SitusAMC,Aggregator<br>SitusAMC,Aggregator<br>SitusAMC,Aggregator | Reviewer Comment (2020-03-30): Client elects to waive the exception with verified compensation factors<br>Buyer Comment (2020-03-27): See Attached |  |  | XX/XX/XXXX 8:20:58 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 638593 |  | 26442905 |  | Credit | Business Purpose | General | Business Purpose | FICO score is less than required by guidelines. Investor requirements for minimum FICO score have not been met. |  | Lender approved exception to allow FICO score of [Redacted] vs program requirement of [Redacted] | LTV of 50% < program maximum of 65%<br>DSC of 126% > program requirement of 100%<br>XX months reserves > program requirement of 3 months<br>Primary residence mortgage history is 0x30x18<br>Experienced investor<br>No public records |  |  | Reviewer Comment (2018-10-29): [Redacted] has elected to waive this exception based on compensating factors. |  |  | XX/XX/XXXX 8:28:18 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 638593 |  | 26442906 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for mortgage history of 2x30 ([Redacted]) vs program requirement of maximum permitted mortgage delinquency of 1x30x12 | LTV of 50% < program maximum of 65%<br>DSC of 126% > program requirement of 100%<br>XX months reserves > program requirement of 3 months<br>Primary residence mortgage history is 0x30x18<br>Experienced investor<br>No public records |  |  | Reviewer Comment (2018-10-29): [Redacted] has elected to waive this exception based on compensating factors. |  |  | XX/XX/XXXX 8:28:25 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |

---

## Exhibit 99.3

![](situsamc_logo.jpg)

**Valuation Report** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **EDGAR 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 Risk Score** | **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** |
| XXXX | XXXX | 920750 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 278703 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.510% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 584879 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 720554 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 631405 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 741346 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 892237 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 845206 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.920% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 121669 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 383613 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 409745 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 422189 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 222024 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 918579 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 883627 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 821354 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 743093 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 882363 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 607777 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 179774 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 956064 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 964947 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 857309 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 951229 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 938195 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 458633 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 933221 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 382463 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 751088 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 184242 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 767495 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 946649 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 176059 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 287645 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 767434 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 430081 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 818741 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 998228 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 752372 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 540124 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 537536 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 589606 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 986334 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 638593 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.3

![](situsamc_logo.jpg)

**Data Compare (Non-Ignored)** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | 176059 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 176059 |  |  | Original Term | 30 | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 176059 |  |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 176059 |  |  | LTV Valuation Value | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 986334 |  |  | Doc Type | Full | No Ratio | Verified | Field value reflects source document |
| XXXX | XXXX | 638593 |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field value reflects source document |
| XXXX | XXXX | 638593 |  |  | Doc Type | Full | No Ratio | Verified | Field value reflects source document |

---

## Exhibit 99.3

![](situsamc_logo.jpg)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| XXXX | XXXX | 871654 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed prepaid interest under Prepaids that does not match calculated figures. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Without Seller Value - Total Closing Costs: TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on XX/XX/XXXX disclosed a final value for Total Closing Costs that does not match Total Closing Costs (Borrower-Paid) disclosed on page 2. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) |  | BUYER - WAIVED COMMENT (2019-06-19): Revised CD was signed by borrower prior to funding/disbursement with accurate figures<br> REVIEWER - GENERAL COMMENT (2019-06-19): Post review condition added due to actual Final CD provided with signature date ofXX/XX/XXXX (which cured RTC conditions)<br> . If document was not provided to borrower matching the actual Final CD figure, condition can be waived without comp factors and lenders' acknowledgment of condition.<br> REVIEWER - CURED COMMENT (2019-06-19): Letter of Explanation & Corrected Closing Disclosure provided<br> REVIEWER - CURED COMMENT (2019-06-19): Letter of Explanation & Corrected Closing Disclosure provided<br> REVIEWER - CURED COMMENT (2019-06-19): Letter of Explanation & Corrected Closing Disclosure provided<br> REVIEWER - CURED COMMENT (2019-06-19): Letter of Explanation & Corrected Closing Disclosure provided<br> REVIEWER - CURED COMMENT (2019-06-19): AMC received PCCD correcting close date and LOE. Exception Cured. | Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Without Seller Value - Total Closing Costs: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative |  |  | - A B |
| XXXX | XXXX | 563420 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  | Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.<br> Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: Final Closing Disclosure provided on XX/XX/XXXX disclosed prepaid interest under Prepaids that does not match calculated figures.<br> Federal Compliance - TRID Final Closing Disclosure Without Seller Value - Total Closing Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed a final value for Total Closing Costs that does not match Total Closing Costs (Borrower-Paid) disclosed on page 2.<br> Federal Compliance - TRID Final Closing Disclosure Closing Date: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation.<br> Federal Compliance - TRID Final Closing Disclosure Closing Date: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. |  |  |  |  | - A |
| XXXX | XXXX | 569930 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Missing Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Missing Seller Paid Fees Primary Residence First Lien: The final CD does not identify any seller paid fees. The post funding CD shows $4,000.00 in seller paid fees while the seller's CD shows $XXX. | REVIEWER - CURED COMMENT (2019-07-17): Data supplied on subsequent CDs (SFIG). |  | 40% DTI on this full documentation loan < 50% guideline max - 10% below program guideline maximum |  | - A B |
| XXXX | XXXX | 218912 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Cash To Close: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure With Seller - Cash To Close: Calculation Cash to Close table on Final CD shows -$XXX, calculated is -$XXX. | REVIEWER - CURED COMMENT (2019-07-17): Data correct on subsequent CDs (SFIG).<br> REVIEWER - GENERAL COMMENT (2019-07-17): Received rebuttal, but it does not contain the amounts in the Calculation Cash to Close section. Please reference this section for the discrepancy. | Federal Compliance - TRID Final Closing Disclosure With Seller - Cash To Close: <br> TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 186247 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided onXX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Closing Date: Disclosure reflects Closing Date of XX/XX/XXXX, but transaction consummation (mortgage notary) date was XX/XX/XXXX. | REVIEWER - CURED COMMENT (2017-04-19): Designation switched to Non-QM | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 392802 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Loan Estimate Esign Consent Agreement Timing: ESIGN Act - Loan Estimate provided onXX/XX/XXXX was electronically provided prior to borrower's consent to receive electronic disclosures. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Closing Date: Consummation date is XX/XX/XXXX. Final Closing Disclosure reflects closing date of XX/XX/XXXX. |  | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 40 months reserves > 3 months guideline minimum - borrowers have verified reserves of $XXX <br> XXX representative FICO score > 660 guideline minimum - XX points above guideline minimum<br>Required residual income is $4,300. Actual residual income is $XXXX. Minimum required is 125% of required or $5,375.. |  | - A B |
| XXXX | XXXX | 978017 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided onXX/XX/XXXX did not disclose number of months for Property Tax under Prepaids. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: Data field is blank. |  | Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 246978 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: CD data field is blank, calculates to be $99.70. |  | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 842364 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $450.00. Insufficent or no cure was provided to the borrower. (7506) |  | REVIEWER - CURED COMMENT (2017-04-28): Cured at closing. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 39.79% DTI on this full documentation loan < 50% guideline max - 10.21% below program guideline maximum<br>Borrower on this full documentation loan has a disposable income of $XXXX. |  | - A B |
| XXXX | XXXX | 878025 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 85.00000% exceeds Guideline loan to value percentage of 80.00000%. | Lender approved exception in file. | REVIEWER - WAIVED COMMENT (2017-05-10): Client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | 6 months reserves required; have 74.98 months verified.<br>Borrower on this full documentation loan has a disposable income of $XXXX when only $4700 is required. |  | - B A |
| XXXX | XXXX | 653200 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 617148 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 4.56 is less than Guideline PITIA months reserves of 6.00.<br> [2] Guideline Issue - Residual income is less than $1,500.00 and below guideline minimum. | Lender approved exception.<br> Lender's exception approved in file. | REVIEWER - WAIVED COMMENT (2017-05-19): Client elects to waive.<br> REVIEWER - WAIVED COMMENT (2017-05-19): Client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | XXX FICO , 660 required<br>85% LTV, max 90% allowed |  | - B A |
| XXXX | XXXX | 725943 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed Total Closing Costs (Paid by Seller at Closing) that does not match sum of fees. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing: Final Closing Disclosure reflects Seller Paid Closing Costs totaling $XXX, however actual calculated is $XXX.<br> Federal Compliance - TRID Seller Closing Disclosure: The file is missing a copy of the Seller's CD. |  | Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 44.66% DTI on this Full documentation loan < 50% guideline max - 5.40% below program guideline maximum<br>Borrowers made a down payment of $XXXX from their own funds on this purchase transaction. |  | - A B |
| XXXX | XXXX | 637948 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Exception to not include taxes and insurance payment for daughters property where borrower is on title to not be considered in the qualifying ratios. Lender approved exception. | REVIEWER - WAIVED COMMENT (2017-05-24): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided onXX/XX/XXXX disclosed prepaid interest under Prepaids that does not match calculated figures. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: 17 days collected and should be 16. | REVIEWER - CURED COMMENT (2017-07-17): Lender provided LOE, proof of delivery, and re-opened rescission on correct form. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 25.29 months reserves > 3 months guideline minimum - borrowers have verified reserves of $XXXX.<br>47.27% LTV < 80 guideline max - $XXXX more equity than required by program guidelines |  | - B A |
| XXXX | XXXX | 117386 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Lender approved exception for DTI. Guidelines maximum for non-warrantable condo level 3 is 43%. Exception approved for 50.057%<br> Lender approved exception for DTI. Guidelines maximum for non-warrantable condo level 3 is 43%. Exception approved for 50.057% | REVIEWER - WAIVED COMMENT (2017-05-25): Client elects to waive.<br> REVIEWER - WAIVED COMMENT (2017-05-25): Client elects to waive. | 1 |  |  |  | 2 | [2] Miscellaneous Compliance - Miscellaneous Compliance: Non-Material Compliance Exception:<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided onXX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX)<br> [2] Federal Compliance - 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 $23.05 exceeds tolerance of $0.00. Insufficent or no cure was provided to the borrower. (7520) | Miscellaneous Compliance - Miscellaneous Compliance: Non-Material Compliance Exception:: Post close CD issuedXX/XX/XXXX was signed onXX/XX/XXXX.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Cure for pest inspection fee of $75.00 was not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Cure of $23.05 was provided. | REVIEWER - CURED COMMENT (2017-05-25): Cure for $23.05 was provided on final CD | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 29 months reserves > 12 months guideline minimum - borrowers have verified reserves of $XXXX<br>Borrower on this full documentation loan has a disposable income of $XXXX, $1,480 required by guidelines. |  | - B A |
| XXXX | XXXX | 823094 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - TRID Alternate Table Usage: TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction.<br> [2] Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure. | Federal Compliance - TRID Alternate Table Usage: Initial Loan Estimate disclosure was issued on the "Without Seller" form, and the re-disclosed Loan Estimates, initial and final Closing Disclosures were issued on the "With Seller" form.<br> Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: The Final Closing Disclosure reflects title fees in Section C, however the provider from the SSPL was utilized; therefore fees should be located in Section B. | REVIEWER - CURED COMMENT (2017-07-17): Lender provided LOE, proof of delivery, and re-opened rescission on the correct form. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TRID Alternate Table Usage: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | 34.14% DTI on this Full documentation loan < 50.00% guideline max -15.86% below program guideline maximum<br>XXX representative FICO score > 660 guideline minimum - XX points above guideline minimum |  | - A B |
| XXXX | XXXX | 732595 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 18.78% DTI on this Full documentation loan < 50% guideline max - 31.22% below program guideline maximum<br>XXX representative FICO score > 680 guideline minimum - XXX points above guideline minimum |  | - A |
| XXXX | XXXX | 100618 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 21.33 months reserves > 9 months guideline minimum - borrowers have verified reserves of $XXXX<br>38.25% DTI on this Full documentation loan < 50% guideline max - 11.75% below program guideline maximum |  | - A |
| XXXX | XXXX | 978556 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  | REVIEWER - CURED COMMENT (2017-07-17): Lender provided LOE, proof of delivery, and re-opened rescission on correct form. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. | Residual income required per guidelines is $1,000. Actual is $XXXX. |  | - A B |
| XXXX | XXXX | 975530 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 2 | [2] Credit Eligibility - Public Record Issue:: Credit Report: Original // Public Record Type: Collections / Balance: $XXX, Credit Report: Original // Public Record Type: Collections / Balance: XXXX | Guidelines require all judgements, liens, collections accounts and charge off accounts that cumulatively total in excess of $25,000 are permitted.<br> The origination credit report reflects two accounts that are reported under the collections, with last activity of 11/2014 with a balance of $XXX and last activity of 10/2012 with a balance of $XXX. Also reporting are collections accounts with a cumulative balance of $XXX. No documentation provided to show accounts were paid prior to closing. |  | 1 |  |  |  | 2 | [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application DateXX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due DateXX/XX/XXXX. (Alderman,David Molekule Consulting Inc/S-Corp) |  |  |  |  |  | - B A |
| XXXX | XXXX | 118874 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 895481 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved two exceptions:<br> To allow lack of K-1's to verify less than 25% ownership.<br> To accept an LOE for a historically small consulting business listed as schedule C on applicant's 1040's in lieu of actual P&L's/Balance Sheet with zero income. | REVIEWER - WAIVED COMMENT (2017-06-19): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided onXX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Closing Date: Note, security instrument and notary date areXX/XX/XXXXbut final CD shows closing date ofXX/XX/XXXX Corrected post close CD with closing date matching notary date is required with letter of explanation to the borrower for the change. |  | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative | 27% DTI on this full documentation loan < 43% guideline max - 16% below program guideline maximum<br>Borrower on this full documentation loan has a disposable income of $XXXX |  | - B A |
| XXXX | XXXX | 530701 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) |  |  | Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 180999 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $92.00 exceeds tolerance of $90.00. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - 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 $31.98 exceeds tolerance of $28.00. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Cure provided on Closing Disclosure<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Cure provided on Closing Disclosure | REVIEWER - CURED COMMENT (2017-06-28): Lender provided $5.98 credit at closing for increase in Closing Costs above the legal limit.<br> REVIEWER - CURED COMMENT (2017-06-28): Lender provided $5.98 credit at closing for increase in Closing Costs above the legal limit. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 473977 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - TRID Home Loan Toolkit Timing: Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application.<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) |  |  | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Home Loan Toolkit Timing: TILA - 1yr affirmative.<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 584021 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 348821 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 51.69255% exceeds Guideline total debt ratio of 55.00000%. | Lender Approved exception. The actual Guideline is 50%. rather than the 55% stated in the Exception Explanation. | REVIEWER - WAIVED COMMENT (2017-07-03): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Discount Point Percentage: TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed Discount Point percentage that does not match disclosed calculated percentage of loan amount. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Discount Point Percentage: Page 2 Section A Line 1 did not disclose the percentage of loan amount paid in points. |  | Federal Compliance - TRID Final Closing Disclosure Discount Point Percentage: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | Non-borrowing spouse income documented with 2016 tax return in file but not used in qualifying.<br>Required Residual Income of $XXXX, actual $XXXX exceeds by $XXXX. |  | - B A |
| XXXX | XXXX | 291254 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 811324 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 321993 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | N/A | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved exception for use of short-term lease for the subject property which is an XXXX. No full term lease established, however property has two years tax return history of generating significant income. | REVIEWER - WAIVED COMMENT (2017-07-11): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Property Value: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Property Value: Appraised value on final CD is from the field review which is lower than the appraised value.<br> Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: Cure for Recording fee of $133.00 was not provided. |  | Federal Compliance - TRID Final Closing Disclosure Property Value: TILA - 1yr affirmative<br>Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | 31.846% DTI below the 43% max.<br>Significant excess reserves. 6 months reserves required; 11.78 months verified.<br>Significant excess residual income. Required: $XXXX, Verified: $XXXX, Excess: $XXXX. |  | - B A |
| XXXX | XXXX | 765372 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $90.00 exceeds tolerance of $10.00. Insufficient or no cure was provided to the borrower. (7580) | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: No cure found related to the zero and 10% tolerance issues.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Typographical error. Fees for Flood and Tax Service were initially transposed on initial LE and corrected on re-disclosure dated XX/XX/XXXX. | REVIEWER - CURED COMMENT (2017-07-25): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 863018 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX)<br> [1] Federal Compliance - 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 $750.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Closing Date: Disclosure reflects Closing Date of (XX/XX/XXXX), but transaction consummation (mortgage notary) date was (XX/XX/XXXX).<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Fee disclosed as ($700) on (LE dated XX/XX/XXXX), but disclosed as ($750.00) on Final Closing Disclosure. |  | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 2 months minimum requirement, available reserves 41 months,$XXXX<br> XXX representative FICO score > 660 guideline minimum - XXX points above guideline minimum |  | - A B |
| XXXX | XXXX | 791718 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) | Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: Title - E-Recording Fee is shown in Section B: Services Borrower Did Shop For, however, the borrower did not use a provider listed on the SPPL. This fee should have been in Section C: Services Borrower Did Shop For. |  | Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 839308 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - RESPA - Initial Escrow Account Statement Not Provided Timely: RESPA: Initial escrow account statement was not provided to the borrower at closing.<br> [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinXX/XX/XXXX) | Federal Compliance - RESPA - Initial Escrow Account Statement Not Provided Timely: Initial Escrow Disclosure dated XX/XX/XXXX. Consummation date of XX/XX/XXXX.<br> Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: Post closing CD dated XX/XX/XXXX issued to confirms final disbursement date, adding seller paid fees and Closing costs | REVIEWER - CURED COMMENT (2017-07-20): Amended CD dated XX/XX/XXXX. | Federal Compliance - RESPA - Initial Escrow Account Statement Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | 36.55084% DTI on this (Documentation Type) documentation loan < 50.00% guideline max - 13.44916% below program guideline maximum<br>Borrower has employment stability for XX years in the plumbing industry.<br>Borrower has job stability for 13.29 years as a XXXX.<br>Borrower on this full documentation loan has a disposable monthly income of $XXXX. |  | - A B |
| XXXX | XXXX | 828027 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 2 | [2] Mortgage / Program Eligibility - Loan product type is ineligible as required by guidelines. | Guidelines require borrower(s) qualified Tier 2 living rent-free that do not have the required housing payment history in the last 12 months, if applicable, are still eligible to qualify for a purchase transaction of a primary residence so long as they are living rent free with a relative evidenced with a letter of explanation executed by the relative confirming there is/was no monthly obligation. Borrower provided documentation to evidence his current primary residence is provided by his employer. | REVIEWER - WAIVED COMMENT (2017-07-24): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Appraisal waiver provided in initial disclosure package from lenderXX/XX/XXXXborrower signed appraisal waiver XX/XX/XXXX. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | 36.95730% DTI on this (Documentation Type) documentation loan < 50.00% guideline max - 13.0427% below program guideline maximum<br>Borrower has employment stability for 25 years in the real estate maintenance industry.<br>Borrower on this full documentation loan has a disposable income of $XXXX.<br>Borrowers made a down payment of $XXXX from their own funds on this purchase transaction. |  | - B A |
| XXXX | XXXX | 416508 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Higher Priced QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Borrower Eligibility: Guidelines require the subject property be vested to Persons, Joint tenants or Tenants in common. The property vesting is to a Trust. <br> Note: The Note identifies both the borrowers individually, and as the Trust, as having financial liability. The security instrument also binds the borrower individually by the Inter Vivos Revocable Trust Rider and the Inter Vivos Revocable Trust as Borrower - Acknowledgement. The vesting on the security instrument and the title commitment only identifies the Trust.<br>Lender approved exception. | REVIEWER - WAIVED COMMENT (2017-08-18): Client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | 171.27 months reserves > 6 months guideline minimum - borrowers have verified reserves of$XXXX.<br>XXX representative FICO score > 660 guideline minimum - XXX points above guideline minimum.<br>Co-borrower has employment stability for XX years in the XXXX. |  | - B A |
| XXXX | XXXX | 533353 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Job gap of 6 months with LOE and required 6 months back to work not met, co-borrower on current job only 3 months. Lender approved exception. | REVIEWER - WAIVED COMMENT (2017-07-26): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) | Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: Final Cd reflects Seller paid non-optional Title fees incorrectly in section H versus section C. |  | Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | DTI of 38% is significantly below the 45% maximum<br>LTV of 62% is significantly below the maximum of 75%. |  | - B A |
| XXXX | XXXX | 132646 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Debt Consolidation | N/A | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 24.41 is less than Guideline PITIA months reserves of 66.00. | Lender approved exception. Lease agreements not required on commercial properties.<br> Lender approved exception in file. | REVIEWER - WAIVED COMMENT (2017-07-26): Client elects to waive.<br> REVIEWER - WAIVED COMMENT (2017-07-26): Client elects to waive. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,740.00 exceeds tolerance of $1,561.00 plus 10% or $1,717.10. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304)<br> [1] Federal Compliance - 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 $600.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  | XXX representative credit score exceeds 640 guidelines by XX points.<br>Borrower on this Full documentation loan has a disposable income of $XXXX > $1,000.00 guideline minimum required for a family of two and a loan amount < $150,000.00. |  | - B A |
| XXXX | XXXX | 214246 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act – Loan file does not contain evidence of borrower's consent to receive electronic disclosures.<br> [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $170.00 exceeds tolerance of $150.00 plus 10% or $165.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure Closing Date: Security instrument notarizedXX/XX/XXXX | REVIEWER - CURED COMMENT (2017-08-10): Lender provided LOE and corrected CD. | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | XXX representative FICO score > 660 guideline minimum - XX points above guideline minimum<br>75% LTV is 5% below maximum guideline of 80%. |  | - A B |
| XXXX | XXXX | 512656 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Application / Processing - 1003 Error: Own/Rent was not provided<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 50.83435% exceeds Guideline total debt ratio of 50.00000%. | The final 1003 indicates borrower rents the property at XXXX Princess Ln and pays $XXXX mo rent. The fraud report indicates borrower, with spouse, took title to this property XX/XX/XXXX with no liens. An explanation should be provided and the 1003 corrected.<br> Lender approved exception. | REVIEWER - WAIVED COMMENT (2017-08-22): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Closing Date: Final Closing Disclosure datedXX/XX/XXXXisclosed a closing date ofXX/XX/XXXX and the borrower signed on XX/XX/XXXX. |  | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower on this Full documentation loan has a disposable income of $XXXX. $2,200 minimum required for a family of 4. |  | - B A |
| XXXX | XXXX | 499025 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 21.43% DTI on this full documentation loan < 50% guideline max - 28.57% below program guideline maximum<br>7.28 months reserves > 3 months guideline minimum |  | - A |
| XXXX | XXXX | 874260 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Closing Date: Final Closing Disclosure dated XX/XX/XXXX disclosed a Closing Date of XX/XX/XXXX. Deed of Trust was notarized on XX/XX/XXXX. CD provided post-closing still disclosed the incorrect closing date of XX/XX/XXXX.<br> Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: Final Closing Disclosure, Section F. Prepaids disclosed the annual Homeowner's Insurance Premium as $577.50 which does not match the monthly Homeowner's Insurance Premium of $52.50 which equates to $630.00 annually. |  | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 427511 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $XXX (an overage of $XXX or $XXX).<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinXX/XX/XXXX) | Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Points and Fees on subject loan of XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $XXX<br> Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: Missing signature.<br> Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: Lender Contact Name is not reflected on the consumer's final CD. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 359008 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 258797 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Guideline Issue - Borrower does not have the minimum active tradelines per guidelines. | Lender approved exception for not meeting 2 open and active tradelines rated for 24 months. | SELLER - GENERAL COMMENT (2019-03-13): Please advise if you need something from XXXX - it is noted that you've entered the "Exception Information" that Lender approved exception.<br> REVIEWER - GENERAL COMMENT (2019-03-14): Lender exception provided: Borrower only has 1 tradeline that meets the guidelines. He has other trades that have been opened for over 24 months but were recently closed. XXXX to review.<br> SELLER - GENERAL COMMENT (2019-03-26): please advise on status of XX review<br> REVIEWER - WAIVED COMMENT (2019-03-28): Client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | 30.66329% DTI on this bank statement documentation loan < 45% guideline max - 14.33671% below program guideline maximum.<br>XXX representative FICO score > 700 guideline minimum - XX points above guideline minimum. |  | - B A |
| XXXX | XXXX | 550556 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 331206 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 864104 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Final Closing Disclosure Assumption: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Assumption. (FinXX/XX/XXXX) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation updated to Non-QM.<br> Federal Compliance - TRID Final Closing Disclosure Assumption: The note is assumable, however the CD indicates that it is not. Rate Lock Commitment in file reflects Lender does not allow for assumption. | SELLER - GENERAL COMMENT (2019-06-28): Please see the highlighted part.<br> REVIEWER - GENERAL COMMENT (2019-07-01): Note allows for Assumption, however CD disclosed that Assumption is not allowed. A Corrected CD and LOE are required to cure. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Final Closing Disclosure Assumption: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 452225 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 7.84 is less than Guideline PITIA months reserves of 12.00. | Lender exception approved for discrepancy in reserves. | REVIEWER - WAIVED COMMENT (2019-06-14): Client elects to waive. Exception waiver provided. Compensating factors: Employment stability with 5 years as medical director; DTI of 24.58% is less that the program maximum on 43%; LTV of 55% is less than the program max of 75%. | 1 |  |  |  | 1 |  |  |  |  | 24.58% DTI on this < 43% guideline max - 18% below program guideline maximum<br>55% LTV < 75% guideline max.<br>Borrower has job stability for 5 years on current job. |  | - B A |
| XXXX | XXXX | 395502 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: No additional cure required. |  |  |  |  | - A |
| XXXX | XXXX | 410328 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 507007 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 967190 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 745188 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 925373 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 225673 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 241894 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 713562 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 683785 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 306177 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 989132 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 766569 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Guideline Issue - LTV/CLTV <= 5% | LTV does exceed 75% for New Construction Pud, but meets the exception policy based on compensating factors of no CE past 48 mos, DTI >=10% lower than loan program, high discretionary income = $3,000 and borrower contribution exceeds required amount. | REVIEWER - WAIVED COMMENT (2019-06-14): Client elects to waive, .Exception waiver approval provided. Compensating factors:Residual income of $XXX > $3,000 required; 22.546% DTI < 43% guideline max; No credit events for the past 48 mos.<br> REVIEWER - GENERAL COMMENT (2019-06-14): Property is considered new construction. Per guidelines 9.1.2 newly constructed PUD properties are limited to max LTV of 75%. Lender Exception Approval form provided in file to allow LTV up to 80%.<br> BUYER - GENERAL COMMENT (2019-06-14): MAX LTV per GL 6.7 for this program is 85%,we have 80%ltv-we are good.thanks | 1 |  |  |  | 1 |  |  |  |  | 22.546% DTI < 43% guideline max<br>No credit events for the past 48 mos<br>Residual income of $XXXX > $3,000 required. |  | - B A |
| XXXX | XXXX | 324160 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXXs/S-Corp)<br> [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75103)<br> [1] Federal Compliance - 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 $625.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Closing Date: Final Closing Disclosure dated XX/XX/XXXX disclosed a Closing Date of XX/XX/XXXX. Deed of Trust was notarized on XX/XX/XXXX. Post-closing CD dated XX/XX/XXXX disclosed the correct closing date of XX/XX/XXXX. |  | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative |  |  | - A B |
| XXXX | XXXX | 833223 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Higher Priced QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved exception for loan to close prior to issuance of the Eligibility Certificate. | REVIEWER - WAIVED COMMENT (2017-08-10): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - TRID Final Closing Disclosure Borrower Closing Costs: TILA-RESPA Integrated Disclosure - Costs at Closing: Final Closing Disclosure provided on XX/XX/XXXX disclosed Total Closing Costs that does not match Total Closing Costs (Borrower-Paid) on page 2. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Borrower Other Costs: TILA-RESPA Integrated Disclosure - Costs at Closing: Final Closing Disclosure provided on XX/XX/XXXX disclosed Other Costs that does not match Total Other Costs (Borrower-Paid) on page 2. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Closing Costs Paid At Closing: TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Costs Paid at Closing that does not match the Total Closing Costs (Borrower-Paid) from page 2. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Closing Costs Exceeds Limits Amount: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller Value - Total Closing Costs: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Final value of Total Closing Costs that does not match the Total Closing Costs (Borrower-Paid) from page 2. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure. | Federal Compliance - Self-Employed Tax Return Recency: Extension for 2016 Filed.<br> Federal Compliance - TRID Final Closing Disclosure Borrower Closing Costs: Section J. Total Closing Cost on page 2 reflect sum of $XXX. Calculating Cash to Close Final on page 3 reflect sum of $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Total Closing Costs Exceeds Limits Amount: Tolerance cure amount of $77 is not disclosed on page 3, calculating cash to close summary.<br> Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: Title - Notary Fees was shown in Section B: Services Borrower Did Not Shop For, however, the borrower did not use a provider listed on the SPPL. This fee should have been in Section C: Services Borrower Did Shop For. |  | Federal Compliance - TRID Final Closing Disclosure Borrower Closing Costs: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Borrower Other Costs: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Closing Costs Paid At Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Closing Costs Exceeds Limits Amount: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller Value - Total Closing Costs: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | Guideline variance approved by lender at time of origination at 55.786%<br>Guideline variance approved by lender at time of origination. Below 43%. |  | - B A |
| XXXX | XXXX | 445223 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 775520 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 314767 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 815154 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 582228 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $1,035.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: $35.00 cure provided at closing |  |  |  |  | - A |
| XXXX | XXXX | 290042 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 171821 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 925300 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor Qualifying Residual income discrepancy.: Calculated investor qualifying disposable income of $XXX is less than AUS required disposable income of $1,250.00. |  | BUYER - GENERAL COMMENT (2020-03-09): See Attached<br> REVIEWER - WAIVED COMMENT (2020-03-10): Client elects to waive the exception with verified compensating factors | 1 |  |  |  | 1 |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Guideline variance approved by lender at time of origination<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decresed the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 710950 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: The Final CD did not disclose why the transaction did not have an escrow account setup as required. | BUYER - GENERAL COMMENT (2020-03-18): PCCD ATTACHED W/FSS<br> REVIEWER - CURED COMMENT (2020-03-19): XXXXXXXX received a corrected CD and LOE. | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 900573 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Credit Documentation - Insufficient Verification of Rental History. | Lender exception in file to use a private party VOR with some supporting documentation. | REVIEWER - WAIVED COMMENT (2020-03-12): Client elects to waive the exception with verified compensation factors | 1 |  |  |  | 1 |  |  |  |  | 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.<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. |  | - B A |
| XXXX | XXXX | 632372 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 121343 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 820610 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 262452 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] General Appraisal Requirements - Subject is a refinance and property is listed for sale.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Lender acknowledged exception. Exception granted for property being on the market less than 90 days from application. | REVIEWER - WAIVED COMMENT (2020-03-18): Client elects to waive the exception with verified compensating factors | 1 |  |  |  | 1 | [1] State Compliance - (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): California Higher-Priced Loan: APR on subject loan of 6.37190% or Final Disclosure APR of 6.42100% is in excess of allowable threshold of APOR 3.79% + 1.5%, or 5.29000%. Compliant Higher Priced Loan.<br> [1] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.37190% or Final Disclosure APR of 6.42100% is in excess of allowable threshold of APOR 3.79% + 1.5%, or 5.29000%. Compliant Higher Priced Mortgage Loan. | State Compliance - (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Compliant HPML.<br> Federal Compliance - Federal HPML 2014 Compliant: Federally Compliant HPML. | REVIEWER - WAIVED COMMENT (2020-03-26): Client elects to waive<br> REVIEWER - WAIVED COMMENT (2020-03-26): Client elects to waive | State Compliance - (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Assignee Liability is unclear. The provisions of the Act may only be enforced by the Attorney General or the licensed person's licensing agency. Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable.<br>Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | 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.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXX | XXXX | 718461 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 342384 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Credit Documentation - Aged document: Credit Report is more than 90 days prior to the note date.: Credit Report: Original // Borrower: XXXX, Credit Report: Original // Borrower: XXXX |  | REVIEWER - WAIVED COMMENT (2020-03-18): Client elects to waive the exception with verified compensation factors | 1 |  |  |  | 1 |  |  |  |  | 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.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decresed the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 625212 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 690628 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Minimum Loan Amount discrepancy.: Note loan amount of $XXX is less than Guideline minimum loan amount of $150,000.00. | Loan amount of $XXX less than minimum of $150,000 per guides. Approved Lender Exception in file. | REVIEWER - WAIVED COMMENT (2020-03-20): Client elects to waive the exception with verified compensating factors | 1 |  |  |  | 1 |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's DTI Is below the max by 5% or more<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - B A |
| XXXX | XXXX | 273843 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: The reason the escrow account was not established is missing on page 4 of the final CD. | REVIEWER - CURED COMMENT (2020-03-25): Letter of Explanation & Corrected Closing Disclosure provided | Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 769979 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 741499 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 954833 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Minimum Loan Amount discrepancy.: Note loan amount of $XXX is less than Guideline minimum loan amount of $150,000.00. |  | REVIEWER - GENERAL COMMENT (2020-03-30): Comp factor 2 showing DTI less than 32% needs to be removed or corrected, actual is 32.04%<br> BUYER - GENERAL COMMENT (2020-03-31): See Attached<br> REVIEWER - WAIVED COMMENT (2020-04-01): Client elects to waive the exception with verified compensation factors | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $200.25 exceeds tolerance of $195.23. Sufficient or excess cure was provided to the borrower. (8304)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $XXX exceeds tolerance of $2,863.00. Sufficient or excess cure was provided to the borrower. (73109)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $XXX exceeds tolerance of $2,863.00. Insufficient or no cure was provided to the borrower. (73109) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Cure nor valid COC provided | REVIEWER - CURED COMMENT (2020-05-06): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided<br> REVIEWER - CURED COMMENT (2020-05-06): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided<br> BUYER - GENERAL COMMENT (2020-04-16): COC attached. Increase in fee due to an increase of loan amount<br> REVIEWER - GENERAL COMMENT (2020-04-17): XXXXXXXX received Changed Circumstance for increase in loan amount onXX/XX/XXXXD. The fee increased again on the final CD with no Changed Circumstance and insufficient cure in the file. A valid Changed Circumstance or cure is required.<br> REVIEWER - GENERAL COMMENT (2020-04-24): XXXXXXXX received COC however it does not indicate why the fee increased, the changed circumstance. Please provide documentation if a changed circumstance occurred or please provide a corrected CD, LOE, refund check, and proof of mailing to cure.<br> BUYER - GENERAL COMMENT (2020-05-05): Please find our Post Close CD along with copy of refund check for RESPA cure, LOE to borrower and the disclosure with proof of delivery of check via USPS.<br> REVIEWER - CURED COMMENT (2020-05-06): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 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 FICO score is above the minimum by 20 points or more.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower's residual income increased by 10% or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXX | XXXX | 767251 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 174223 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception for 3 credit accounts open before issue of ITIN number and to accept private party VOR with supporting documentation. | REVIEWER - WAIVED COMMENT (2020-03-31): Client elects to waive the exception with verified compensation factors | 1 |  |  |  | 1 |  |  |  |  | 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 worked in the same position for more than 3 years.<br>Borrower's FICO score is above the minimum by 20 points or more.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower's PITIA reserves are above the minimum amount of 6 months<br>Borrower's residual income increased by 10% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 371003 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 1.72 is less than Guideline PITIA months reserves of 2.00. | Exception granted for 5 NSFs, with 4 of them in the last 3 months. Lender exception provided however, comp factor of reserves of 5 months of borrowers own assets is not valid; see comments on asset reserve exception. Provide revised Lender exception.<br> Verified assets of $XXX - $XXX CTC results in $XXX for reserves. 2 months of reserves = $XXX. Note: 45% ownership so only 45% of business funds allowed to be used. R/T refi with payment reduced by more than 5% however, do not have required 12 month housing history to verify 1x30x12 or better to waive reserve requirement . Only 9 month mortgage history verified; missing prior rental history. | BUYER - GENERAL COMMENT (2020-03-31): See Attached<br> REVIEWER - WAIVED COMMENT (2020-04-01): Client elects to waive the exception with verified compensation factors<br> BUYER - GENERAL COMMENT (2020-03-31): See Attached<br> REVIEWER - WAIVED COMMENT (2020-04-01): Client elects to waive the exception with verified compensation factors | 1 |  |  |  | 1 |  |  |  |  | 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 housing payment has been reduced by 10% or more<br>Borrower's residual income increased by 10% or more.<br>Guideline variance approved by lender at time of origination<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. |  | - B A |
| XXXX | XXXX | 884582 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,248.30 exceeds tolerance of $3,247.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  | REVIEWER - CURED COMMENT (2020-03-27): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 777567 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $9,920.00 exceeds tolerance of $8,680.00. Sufficient or excess cure was provided to the borrower at Closing. (73109) |  | REVIEWER - CURED COMMENT (2020-03-30): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 695216 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 767252 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | XXX representative FICO score > 660 guideline minimum - XX points above guideline minimum<br>84.38 months reserves > 6 months guideline minimum - borrowers have verified reserves of$XXXX.<br>Borrower on this full documentation loan has a disposable income of $XXXX. |  | - A |
| XXXX | XXXX | 512655 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 507667 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 32.56322% DTI on this full documentation loan < 43% guideline max - 10.43678% below program guideline maximum<br>Borrower has job stability for XX years as an XXX. |  | - A |
| XXXX | XXXX | 287086 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 38.63084% DTI on this full documentation loan < 50.00% guideline max - 11.36916% below program guideline maximum<br>60.37736% LTV < 80.00% guideline max - $XXXX more equity than required by program guidelines<br>XXX representative FICO score > 580 guideline minimum - XXX points above guideline minimum |  | - A |
| XXXX | XXXX | 673401 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of delivery was not located with-in the loan images. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. |  |  | - A B |
| XXXX | XXXX | 986740 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender provided guideline exception for DTI exceeding 50% based on compensating factors. | REVIEWER - WAIVED COMMENT (2017-09-26): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed Total Closing Costs (Paid by Seller at Closing) that does not match sum of fees. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - Before Closing: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed Total Closing Costs (Paid by Seller Before Closing) that does not match sum of fees. (FinXX/XX/XXXX)<br> [1] Federal Compliance - 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 $600.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No evidence of delivery was provided.<br> Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - Before Closing: Final Closing Disclosure provided on XX/XX/XXXX disclosed Total Closing Costs (Paid by Seller Before Closing) that does not match sum of fees.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - Before Closing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | 26 months reserves 3 months guideline minimum - borrowers have verified reserves of$XXXX<br>623 representative FICO score > 580 guideline minimum - 43 points above guideline minimum<br>Borrower on this Full income documentation loan has a disposable income of$XXXX. Exceeds minimum required of $3,200. |  | - B A |
| XXXX | XXXX | 697665 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Higher Priced QM | 2 | 2 | [2] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date: XX/XX/XXXX |  | REVIEWER - WAIVED COMMENT (2017-10-26): Lender provided inspection after Hurricane but prior to FEMA Disaster date. Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure. | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: No cure found related to the zero% tolerance issues.<br> Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: Title fees are shown in Section B: Services Borrower Did Not Shop For, however, the borrower did not use a provider listed on the SPPL. These fees should have been in Section C: Services Borrower Did Shop For. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | XXX representative FICO score > 680 guideline minimum - XX points above guideline minimum<br>Borrower on this full documentation loan has a disposable income of $XXXX.<br>Borrowers made a down payment of$XXXX from their own funds on this purchase transaction. |  | - B A |
| XXXX | XXXX | 599340 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No evidence of timely delivery was provided. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | 35.35154% DTI on this full documentation loan < 45% guideline max - 9.64846% below program guideline maximum<br>68.63 months reserves > 9 months guideline minimum - borrowers have verified reserves of $XXXX<br>Borrowers made a down payment of$XXXX from their own funds on this purchase transaction. |  | - A B |
| XXXX | XXXX | 836014 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender guideline exception for subject property minimum square footage requirement of 475 not met. Subject property square footage is XXX, Exception based on compensating factors. | REVIEWER - WAIVED COMMENT (2017-10-09): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No evidence of timely delivery was provided. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | 25.98% DTI on this Full income documentation loan < 45% guideline max - 19.02% below program guideline maximum<br>27.38 months reserves >3 months guideline minimum - borrowers haveverified reserves of $XXXX<br>765 representative FICO score > 680 guideline minimum - 85 points above guideline minimum |  | - B A |
| XXXX | XXXX | 337147 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Higher Priced QM | 2 | 2 | [2] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date: XX/XX/XXXX |  | REVIEWER - WAIVED COMMENT (2017-10-26): Lender provided inspection after Hurricane but prior to FEMA Disaster date. Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,202.54 exceeds tolerance of $3,202.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Missing evidence of delivery.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Erroneous Reg ID 4747. The Transfer Tax fee was properly rounded on the LE's. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | $XXXX residual income, $1,000 required.<br>58.46 months reserves, 9 months required for start LTV before non-warrantable condo adjustments.<br>60+ month 0x30 VOR, 12 month history of 0x30 required. |  | - B A |
| XXXX | XXXX | 876839 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $19.50 exceeds tolerance of $19.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of delivery was not provided. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. |  |  | - A B |
| XXXX | XXXX | 228589 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $92.00 exceeds tolerance of $83.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) | Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: All title company fees are listed as section C fees and the provider is identified on the SSPL. These title fees should be identified as section B fees. |  | Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 334515 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: Final CD provided onXX/XX/XXXXid not disclose the amount of closing costs financed in the Calculating Cash to Close table on page 3.. The calculated amount is $XXX. Provide a post-close CD correcting the amount of closing costs financed and a copy of the letter of explanation to the borrower disclosing the changes made. |  | Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | 53.96833% LTV < 70 guideline max<br>67.18 months reserves > 3 months guideline minimum - borrowers have verified reserves of $XXXX |  | - A B |
| XXXX | XXXX | 258667 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of delivery was not provided. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | 47.61905% LTV < 80.00% guideline max - $81,560 more equity than required by program guidelines<br>Borrower has job stability for 5.18 years as an XX. |  | - A B |
| XXXX | XXXX | 119089 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 853673 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 29.66 months reserves > 3 months guideline minimum - borrowers haveverified reserves of $XXXX.<br>XXX representative FICO score > 680 guideline minimum - XX points above guideline minimum<br>Borrower has job stability for XX years as a XXX with the same employer.. |  | - A |
| XXXX | XXXX | 673545 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date: XX/XX/XXXX<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 49.76730% exceeds Guideline total debt ratio of 43.00000%. | A second full appraisal was used to verify the subjects value instead of a field review that is required by guidelines. Lender approved this exception.<br> Inspection report in file shows no damage to subject but is prior to disaster date.<br> DTI of 48.45% exceeds guideline maximum of 43.00% for Non-Warrantable Investment Condo purchases.Lender approved this exception to 49.540%. | REVIEWER - WAIVED COMMENT (2017-10-25): Client elects to waive.<br> REVIEWER - WAIVED COMMENT (2017-10-26): Lender provided inspection after Hurricane but prior to FEMA Disaster date. Client elects to waive.<br> REVIEWER - WAIVED COMMENT (2017-10-25): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:AdditionXX/XX/XXXX)<br> [2] Federal Compliance - 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:SecondaXX/XX/XXXX)<br> [2] Federal Compliance - 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:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No evidence of delivery was provided.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No evidence of delivery was provided.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No evidence of delivery was provided. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | 65% LTV < 75% guideline max - $XXXX more equity than required by program guidelines<br>XXX representative FICO score > 660 guideline minimum - XX points above guideline minimum<br>79 months reserves > 6 months guideline minimum. |  | - B A |
| XXXX | XXXX | 777400 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 1.91 is less than Guideline PITIA months reserves of 6.00. | Lender provided guideline exception for minimum PITIA reserves of 6 months not met. Borrower has less than 2 months reserves. | REVIEWER - WAIVED COMMENT (2017-10-25): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No evidence of timely delivery was provided. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | 12.13% DTI on this full documentation loan < 50x% guideline max .<br>Borrower has job stability for XX years as a XXXX.<br>Borrower on this full income documentation loan has a disposable income of $XXXX. Exceeds minimum requirement of $1,200.00. |  | - B A |
| XXXX | XXXX | 760564 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Residual Income of $XXXX is less than $2,460.00 minimum required by guidelines. Lender approved this exception. | REVIEWER - WAIVED COMMENT (2017-10-25): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date : Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - TRID Home Loan Toolkit Timing: Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Missing evidence of delivery to borrowers.<br> Federal Compliance - (Missing Data) Last Rate Set Date : The initial LE dated XX/XX/XXXX indicates the loan was locked. The file is missing this rate lock.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Evidence of being provided earlier is not in file.<br> Federal Compliance - TRID Home Loan Toolkit Timing: Evidence of being provided earlier is not in file. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Home Loan Toolkit Timing: TILA - 1yr affirmative. | Borrower has employment stability for 18 years in the Retail Industry.<br>Borrowers made a down payment of $XXXX from their own funds on this purchase transaction.<br>LTV of 80% with a program maximum of 85%. |  | - B A |
| XXXX | XXXX | 894857 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Loan Estimate Esign Consent Agreement Timing: ESIGN Act - Loan Estimate provided on XX/XX/XXXX was electronically provided prior to borrower's consent to receive electronic disclosures. (InitiXX/XX/XXXX) |  |  |  | 49.36709%% LTV < 80.00% guideline max - $120,100 more equity than required by program guidelines<br>Borrower on this full documentation loan has a disposable income of $XXXX.<br>Borrowers made a down payment of $200,000 from their own funds on this purchase transaction. |  | - A B |
| XXXX | XXXX | 177795 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of delivery was not located in the images. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | 9 months reserves > 18.52 months guideline minimum - borrowers haveverified reserves of $XXXX |  | - A B |
| XXXX | XXXX | 309703 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of delivery was not provided. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. |  |  | - A B |
| XXXX | XXXX | 967607 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of delivery was not found in the images. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | DTI at 21.48108% is 28.51892% below maximum allowable of 50.00000% for program<br>FICO of XXX is XXX points above required FICO of 650. |  | - A B |
| XXXX | XXXX | 618196 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date: XX/XX/XXXX<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 50.49224% exceeds Guideline total debt ratio of 50.00000%. | The subject property is located in a current FEMA disaster area.<br> Lender approved exception to allow DTI of 50.71%. Guidelines Maximum of 50%. | REVIEWER - WAIVED COMMENT (2017-11-07): Lender provided inspection after Hurricane but prior to FEMA Disaster date. Client elects to waive.<br> REVIEWER - WAIVED COMMENT (2017-11-07): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) |  |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | Borrower on this full documentation loan has a disposable income of $XXXX, required $4,700.00.<br>Current mortgage history 0x30x21 with no lates. |  | - B A |
| XXXX | XXXX | 774659 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) |  |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | XXX representative FICO score > 580 guideline minimum - XX points above guideline minimum<br>Borrower on this full documentation loan has a disposable income of $XXXX. Minimum required of $1,800.00. |  | - A B |
| XXXX | XXXX | 676137 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 39.60% DTI on this full documentation loan < 50.00% guideline max - 10.40% below program guideline maximum<br>Borrower has employment stability for 18 & 11 years with same employers |  | - A |
| XXXX | XXXX | 174766 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX)<br> [2] Federal Compliance - 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 $4,824.81 exceeds tolerance of $4,500.91. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of delivery was not located in the images.<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial Escrow Disclosure was not located in the images.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Cure for 0% tolerance violation was not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee disclosed as $4,500.91 on CD dated XX/XX/XXXX but disclosed as $4824.81 on Final Closing Disclosure. COC in file for CD issued on XX/XX/XXXX with estimated closing date of XX/XX/XXXX. This is outside of the allowed 7 days to allow for fee to re-baseline. | REVIEWER - CURED COMMENT (2017-12-11): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD.<br> REVIEWER - CURED COMMENT (2017-12-11): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 23.56 months reserves > 3 months guideline minimum - borrowers haveverified reserves of $XXXX<br>XXX representative FICO score > 680 guideline minimum - XX points above guideline minimum<br>Borrower has employment stability for X years in the Retail Industry.<br>Borrower has job stability for X years as an XXX.<br>Borrower made a down payment of $XXXX from their own funds on this purchase transaction.<br>Borrower on this full documentation loan has a disposable income of $XXXX. |  | - A B |
| XXXX | XXXX | 880663 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 41.92% DTI on this Full documentation loan < 50% guideline max - 8.08% below program guideline maximum<br>Borrower has employment stability for XX years in the XXXX. |  | - A |
| XXXX | XXXX | 189791 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,252.50 exceeds tolerance of $4,318.00 plus 10% or $4,749.80. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing evidence of being provided earlier.<br> Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: Final CD section F. Prepaids reflects Homeowner's Insurance Premium of 6 months. The annual premium amount is indicated. This should show 12 months.<br> Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: Cure for various 0% and 10% tolerance violations of $12,308.07 was not provided.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: $502.07 violation due to increase in the Title - Lender's Title Insurance fee from $3.853.00 (on all LE's) to $4,783.50 (on the interim and final CD) and the Recording Fee was disclosed as $140.00 on all LE's and $144.00 on the interim and final CD. There is no Changed Circumstance documentation for these. | REVIEWER - CURED COMMENT (2017-12-20): [Redacted] Lender provided LOE, proof of deliver, copy of refund check, and corrected CD.<br> REVIEWER - GENERAL COMMENT (2017-12-20): [Redacted] Lender provided LOE, proof of deliver, copy of refund check, and corrected CD. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | 75% LTV, borrower qualifies up to 85% LTV.<br>Borrower reduced their total monthly debt load, through this consolidation loan, from $8,179.33 to 5,144.68; a reduction of 37%. |  | - A B |
| XXXX | XXXX | 316948 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 36.65% DTI on this full documentation loan < 50.00% guideline max - 13.35% below program guideline maximum<br>XXX representative FICO score > 660 guideline minimum - XX points above guideline minimum<br>Borrower on this full documentation loan has a disposable income of $XXXX. |  | - A |
| XXXX | XXXX | 952795 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved exception for income calculation method 1120 cash flow analysis completed including W2 wages. | REVIEWER - WAIVED COMMENT (2017-11-24): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Loan Estimate Esign Consent Agreement Timing: ESIGN Act - Loan Estimate provided on XX/XX/XXXX was electronically provided prior to borrower's consent to receive electronic disclosures. (InitiXX/XX/XXXX)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $92.00 exceeds tolerance of $90.00. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106)<br> [2] Federal Compliance - 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 $11,602.50 exceeds tolerance of $10,263.75. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of delivery was not found in the images.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Insufficient cure found related to the zero% tolerance issues.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Cure for $152.00 was provided and is insufficient to cure the various 0% and 10% tolerance violations.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Cure for $152.00 was provided and is insufficient to cure the various 0% and 10% tolerance violations.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: COC was provided showing a change date of XX/XX/XXXX and CD issued on XX/XX/XXXX. The estimated closing date is XX/XX/XXXX and outside the allowed 7 days to be able to re-baseline. | REVIEWER - CURED COMMENT (2017-12-21): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD.<br> REVIEWER - CURED COMMENT (2017-11-24): Lender provided $152.00 credit at closing for increase in Closing Costs above legal limit.<br> REVIEWER - CURED COMMENT (2017-11-24): Lender provided $152.00 credit at closing for increase in Closing Costs above legal limit.<br> REVIEWER - GENERAL COMMENT (2017-12-18): [Redacted] When testing the "CD within 7 days", logic will test that the CD Issue Date is >= ClosingDateLess6. Sundays are not included while Saturdays are always included. Rule of thumb, for consummation that takes place on say, Thursday, CD must be provided by Thursday of week prior. Any CD issued earlier will not have fees re-baselined due to not being within 7 days of consummation. Issue remains.<br> REVIEWER - CURED COMMENT (2017-12-21): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 42.72 months reserves > 6 months guideline minimum - borrowers haveverified reserves of $XXXX.<br>Borrower has job stability for XX years as an A Owner of a Consulting company.<br>Guideline variance approved by lender at time of origination |  | - B A |
| XXXX | XXXX | 906918 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [1] Federal Compliance - 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 $600.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Missing evidence of delivery to borrower. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | 39.9% DTI on this full documentation loan < 50% guideline maximum. |  | - A B |
| XXXX | XXXX | 788867 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act – Loan file does not contain evidence of borrower's consent to receive electronic disclosures.<br> [2] Federal Compliance - 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 $34.28 exceeds tolerance of $13.00. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of delivery to the borrower was not located in the images.<br> Federal Compliance - TRID Esign Consent Agreement Status: Evidence of Consent was not located in the images<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee disclosed as $13 on LE XX/XX/XXXXbut disclosed as 34.28 on Final Closing Disclosure. Cure of $71.33 was reflected, which is insufficient to cure various 0% and 10% tolerance violations.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee disclosed as $500 on LE XX/XX/XXXXbut disclosed as $550.00 on Final Closing Disclosure. Cure of $71.33 was reflected, which is insufficient to cure various 0% and 10% tolerance violations. | REVIEWER - CURED COMMENT (2017-11-24): Lender provided $71.33 credit at closing for increase in Closing Costs above legal limit.<br> REVIEWER - CURED COMMENT (2017-11-24): Lender provided $71.33 credit at closing for increase in Closing Costs above legal limit. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 44.79% DTI on this full documentation loan < 50% guideline max - 5.21% below program guideline maximum<br>XXX representative FICO score > 650 guideline minimum - XXX points above guideline minimum<br>Borrower on this full documentation loan has a disposable income of $XXXX. |  | - A B |
| XXXX | XXXX | 507668 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - RESPA - Initial Escrow Account Statement Not Provided Timely: RESPA: Initial escrow account statement was not provided to the borrower at closing.<br> [2] Federal Compliance - TRID Final Closing Disclosure Assumption: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Assumption. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/317482)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/317484)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/317483)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Total of Payments that does not match the actual total of payments for the loan. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $267.00 exceeds tolerance of $200.00 plus 10% or $220.00. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - RESPA - Initial Escrow Account Statement Not Provided Timely: Note: the final CD had no impounds disclosed. This is corrected on all post closing CD's. The initial disclosure was delivered to borrower on XX/XX/XXXX while the settlement date was XX/XX/XXXX.<br> Federal Compliance - TRID Final Closing Disclosure Assumption: The Note contains expanded assumption verbiage. There is nothing provided to the borrower that alters these assumption terms.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: There are post closing CD's that may cure this issue, however, review is unable to determine is this has been cured.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Loan is locked as a 5/1 ARM, but the CD signed at closing does not reflect changes until year 7. 2 post close CD's are in file, review is unable to determine if cured.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: This is not resolved on the post closing CD's.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Loan is locked as a 5/1 ARM, but the CD signed at closing does not reflect changes until year 7. 2 post close CD's are in file, review is unable to determine if cured.<br> Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: Disclosure reflects TIP of 118.59% but calculated TIP is 118.639%.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Disclosure reflects TOP of $2,011,646.95 but calculated TOP of $2,012,091.26. Variance = $444.31.<br> Federal Compliance - TRID Seller Closing Disclosure: The seller's Closing Disclosure is missing from the file.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Fee disclosed as $200.00 on all LE's, but disclosed as $267.00 on Final Closing Disclosure. Violation amount is $47.00. | REVIEWER - CURED COMMENT (2017-11-28): Lender provided corrected CD.<br> REVIEWER - CURED COMMENT (2017-11-28): Lender provided corrected CD.<br> REVIEWER - CURED COMMENT (2017-11-28): Lender provided corrected CD.<br> REVIEWER - CURED COMMENT (2017-11-28): Lender provided corrected CD.<br> REVIEWER - CURED COMMENT (2017-11-28): Lender provided corrected CD.<br> REVIEWER - CURED COMMENT (2017-11-27): This is cured on all post closing CD's.<br> REVIEWER - CURED COMMENT (2017-11-27): This was cured at settlement. | Federal Compliance - RESPA - Initial Escrow Account Statement Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure Assumption: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 50.74 months reserves > 9 months guideline minimum - borrowers haveverified reserves of $XXXX.<br>Borrower on this full documentation loan has a disposable income of $XXXX.<br>LTV 79.9%; Maximum 90%. |  | - A B |
| XXXX | XXXX | 400134 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date: XX/XX/XXXX |  | REVIEWER - WAIVED COMMENT (2017-11-28): Lender provided inspection after Hurricane showing no damage to subject but prior to FEMA Disaster end date. Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) |  |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | XXX FICO exceeds guidelines required of 620 by XXX points<br>Borrower on this full documentation loan has a disposable income of $XXXX, guidelines require $2910.00 |  | - B A |
| XXXX | XXXX | 987077 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved exception to allow Homeowner Access program. Less than 2 years seasoning from event to application date. Loan will meet seasoning requirement at the time of note date. | REVIEWER - WAIVED COMMENT (2017-11-30): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act – Loan file does not contain evidence of borrower's consent to receive electronic disclosures.<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: No cure found related to the zero% tolerance issue. |  | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | 12.21 months reserves > 6 months guideline minimum - borrowers haveverified reserves of $XXXX.<br>Borrower on this full documentation loan has a disposable income of $XXXX. Guideline minimum of $7,750.00. |  | - B A |
| XXXX | XXXX | 108371 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Missing evidence of delivery. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | XXX representative FICO score >620 guideline minimum - XXX points above guideline minimum<br>Borrower has job stability for XX years as an (XXXX). |  | - A B |
| XXXX | XXXX | 240462 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - TRID Loan Estimate Esign Consent Agreement Timing: ESIGN Act - Loan Estimate provided on XX/XX/XXXX was electronically provided prior to borrower's consent to receive electronic disclosures. (InterXX/XX/XXXX) | Federal Compliance - TRID Loan Estimate Esign Consent Agreement Timing: E-Consent is for Melissa only. Missing E-consent for all other borrowers. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | Borrower, XXXX, has employment stability for 11+ years self-employed<br>Borrower, XXXX, has employment stability for 7+ years with same company |  | - A B |
| XXXX | XXXX | 836571 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $450.00. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Missing evidence valuations sent to Borrowers prior to closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Lender Appraisal Fee tolerance cure $150 provided on final executed CD. | REVIEWER - CURED COMMENT (2017-12-07): Lender provided $150.00 credit at closing for increase in Closing Costs above legal limit. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 968891 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Fee Terminology: TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on XX/XX/XXXX did not use the same fee terminology as the Loan Estimate. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Deposit: TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the Deposit. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Fee Terminology: The final LE shows Title - Settlement Fee, the final CD shows Title - Escrow Fee. Note: This is not cured on the post closing CD.<br> Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Deposit: This field requires a numeric entry.. |  | Federal Compliance - TRID Final Closing Disclosure Fee Terminology: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Deposit: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 28.48% DTI on this full documentation loan < 45% guideline max.<br>XXX representative FICO score > 680 guideline minimum - XXX points above guideline minimum |  | - A B |
| XXXX | XXXX | 198201 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date: XX/XX/XXXX |  | REVIEWER - WAIVED COMMENT (2017-12-11): Lender provided inspection after Hurricane showing no damage to subject but prior to FEMA Disaster end date. Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - Investment Property Submitted as QM: Qualified Mortgage (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Qualified Mortgage requirements.<br> [2] Federal Compliance - 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of delivery was not located in the images.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Cure of $150.00 was provided and insufficient to cure the multiple 0% and 10% violations. | REVIEWER - CURED COMMENT (2017-12-11): Lender provided $150.00 credit at closing for increase in Closing Costs above legal limit. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | XXX representative FICO score > 620 guideline <br> minimum - XXX points above guideline minimum |  | - B A |
| XXXX | XXXX | 219688 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act – Loan file does not contain evidence of borrower's consent to receive electronic disclosures.<br> [2] Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Missing evidence of appraisal delivery.<br> Federal Compliance - TRID Esign Consent Agreement Status: Missing evidence of date of consent.<br> Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: SSPL identified vendor paid (Title) fees are listed in Section C on the final CD; issued after origination and should be identified in section B. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | XXX representative FICO score > 650 guideline minimum - XXX points above guideline minimum<br>Borrower on this Full Income documentation loan has a disposable income of $XXXX. Exceeds minimum required of $1,300.00. |  | - A B |
| XXXX | XXXX | 629322 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.<br> [2] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act – Loan file does not contain evidence of borrower's consent to receive electronic disclosures. | Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor: The appraisal was originally done for another lender, which does not meet Safe Harbor requirements. Evidence of transfer from original lender is in the file.<br> Federal Compliance - TRID Esign Consent Agreement Status: Evidence of borrower's consent to receive documents electronically is missing from the file. |  |  | 22.21 months reserves > 3 months guideline minimum - borrowers haveverified reserves of $XXXX<br>42% DTI on this full documentation loan < 50% guideline max - 8% below program guideline maximum<br>Borrower on this full documentation loan has a disposable income of $XXXX.<br>Borrower receives bonus income of $XXXX a month, which is not being used to qualify.<br>Borrowers made a down payment of $112,000 from their own funds on this purchase transaction. |  | - A B |
| XXXX | XXXX | 906347 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 53.43819% exceeds Guideline total debt ratio of 43.00000%. | Lender Approved Single Loan Exception for DTI of 53.034%, which is in excess of guideline of 43%. | REVIEWER - WAIVED COMMENT (2017-12-18): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act – Loan file does not contain evidence of borrower's consent to receive electronic disclosures.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $450.00. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of delivery was not provided.<br> Federal Compliance - TRID Esign Consent Agreement Status: Missing evidence of the date of consent. | REVIEWER - CURED COMMENT (2017-12-15): This was cured at settlement. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | $XXXX residual income; $2,200 required.<br>0x30x40 across all mortgages, 12 month history is required.<br>51.6 months reserves, 30 months required. |  | - B A |
| XXXX | XXXX | 609368 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 50.50627% exceeds Guideline total debt ratio of 43.00000%. | Lender Approved Exception in file. | REVIEWER - WAIVED COMMENT (2017-12-28): Client Elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act – Loan file does not contain evidence of borrower's consent to receive electronic disclosures.<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX) | Federal Compliance - TRID Esign Consent Agreement Status: Evidence of borrower's consent to receive documents electronically is missing from the file.<br> Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: Final CD shows $459 in homeowner's insurance premium collected at closing, but indicates that this is for 12 months, when it is actually 11 months of premium. |  | Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | 50% LTV < 70% guideline max - $XXX more equity than required by program guidelines<br>Borrower has 10 year mortgage history with no late payments; guideline requires 12 month history.<br>Borrower on this full documentation loan has a disposable income of $XXXX in excess of guideline minimum of $1,350. |  | - B A |
| XXXX | XXXX | 311732 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 893907 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $11,368.32 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/486900)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/486900)<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX)<br> [1] Federal Compliance - 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. (FinXX/XX/XXXX)<br> [1] Federal Compliance - 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 $650.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1: The final CD reflects the monthly homeowners insurance as $85.00; however, the insurance policy in the file annual amount is $1,193.70 or $99.48 monthly.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: The final CD reflects the monthly homeowners insurance as $85.00; however, the insurance policy in the file annual amount is $1,193.70 or $99.48 monthly.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: The final CD reflects the monthly homeowners insurance as $85.00; however, the insurance policy in the file annual amount is $1,193.70 or $99.48 monthly.<br> Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: The final CD reflects the monthly homeowners insurance as $85.00 and the prepaid amount is $1,193.70 for 12 months or $99.48 per month.<br> Federal Compliance - TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD: The seller's CD reflects $12,020.30 whereas the borrower's CD reflects 0.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: The final CD reflects a lender credit of $125.00 for increased closing costs above the legal limit which sufficiently cures the zero tolerance increase in the Appraisal Fee from $525.00 to $650.00. | REVIEWER - CURED COMMENT (2018-07-18): Rec'd LOE and corrected CD.<br> REVIEWER - CURED COMMENT (2018-07-18): Rec'd LOE and corrected CD.<br> REVIEWER - CURED COMMENT (2018-07-18): Rec'd LOE and corrected CD.<br> REVIEWER - CURED COMMENT (2018-07-18): Rec'd LOE and corrected CD.<br> BUYER - WAIVED COMMENT (2018-07-18): (Redacted) accepts | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 512443 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 0.65 is less than Guideline PITIA months reserves of 3.00. | Verified reserves < 3 month guideline minimum. No assets listed on Final 1003 and Cash-out on loan is not sufficient to cover reserves required. Bank statements in file do not meet 60 day verification requirement. | REVIEWER - WAIVED COMMENT (2018-08-14): Loan Exception Approval received. Exception waived. | 1 |  |  |  | 1 |  |  |  |  | XXX representative FICO score > 500 guideline minimum - XX points above guideline minimum<br>Borrower's overall monthly debt payment decreased by with this refinance |  | - B A |
| XXXX | XXXX | 531950 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees: TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (FinXX/XX/XXXX) | Federal Compliance - TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees: Seller's CD reported $46,250.50 in seller paid fees versus $50,080.50 reported on the Final CD. Section A and partial Section C fees were not disclosed on Seller CD. | BUYER - WAIVED COMMENT (2018-10-26): Per DH guidelines. | Federal Compliance - TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A |
| XXXX | XXXX | 430250 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 5.02 is less than Guideline PITIA months reserves of 6.00.<br> [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Dwelling coverage amount is $XXX. Replacement Cost is $XXX. Calculated coverage shortfall amount is $13,000. | BUYER - GENERAL COMMENT (2019-01-24): exception uploaded<br> REVIEWER - WAIVED COMMENT (2019-01-24): Lender exception approval provided in trailing docs.<br> BUYER - GENERAL COMMENT (2019-01-18):XX/XX/XXXX Policy shows "ax-replacement cost-similar construction which meets dh requirements. Please clear<br> REVIEWER - GENERAL COMMENT (2019-01-18): Ax - Replacement Cost - Similar Construction is limited to $xxx,xxx.xx dwelling (Coverage A) indicated Limited Liability (Section x) of evidence of insurance. Policy does not explicitly state Guarantee xxx% Replacement Cost coverage or indicate extended dwelling coverage. $xxx,xxx.xx dwelling coverage < $xxx,xxx.xx (xx% of $xxx,xxx.xx value of improvements which is greater than $xxx,xxx.xx original loan amount).<br> BUYER - GENERAL COMMENT (2019-01-24): exception uploaded<br> REVIEWER - WAIVED COMMENT (2019-01-24): Lender exception approval provided in trailing docs. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted.<br> [1] Federal Compliance - TRID Final Closing Disclosure Loan Type: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Type that does not match the actual loan type for the loan. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Loan Type: The Final CD shows the Loan Type to be Other. | REVIEWER - GENERAL COMMENT (2019-01-28): Exception is EVx informational for client to accept.<br> BUYER - WAIVED COMMENT (2019-02-01): DH accepts<br> REVIEWER - GENERAL COMMENT (2019-01-28): Received corrected PCCD, missing LOE to borrower.<br> REVIEWER - CURED COMMENT (2019-02-04): (REDACTED) received LOE. Exception Cured. | Federal Compliance - TRID Final Closing Disclosure Loan Type: TILA - 1yr affirmative | 30.257% DTI on this Business Bank Statement documentation loan < 43% guideline max<br>XXX representative FICO score > 640 guideline minimum - XXX points above guideline minimum<br>Borrower has employment stability for XX years as a 50% Owner |  | - B A |
| XXXX | XXXX | 248266 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Per title commitment the original lender on the Current mortgage being paid off is The Home Loan Expert, LLC (which is the same lender on this transaction). This would mean this exception is valid and the wrong from was used. | REVIEWER - GENERAL COMMENT (2019-02-21): This is an EV as it is a loan within the Circuits where caselaw has been favorable<br> BUYER - WAIVED COMMENT (2019-02-21): DH accepts | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - A B |
| XXXX | XXXX | 878360 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted. |  | BUYER - WAIVED COMMENT (2019-02-25): DH accepts |  |  |  | - A |
| XXXX | XXXX | 381451 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [1] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.27750% or Final Disclosure APR of 7.32800% is in excess of allowable threshold of APOR 4.58% + 1.5%, or 6.08000%. Compliant Higher Priced Mortgage Loan. | Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: No evidence provided in file to determine what Broker Compensation was based upon.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: The Lender's Initial 1003 is missing from file, however, the Creditor Application Date was obtained from alternative documentation in file.<br> Federal Compliance - Federal HPML 2014 Compliant: Disclosure reflects APR as 7.328%; calculated is 7.2775%; threshold is 6.08%. | BUYER - WAIVED COMMENT (2018-10-29): please waive<br> BUYER - WAIVED COMMENT (2018-10-29): please waive<br> REVIEWER - WAIVED COMMENT (2018-10-29): [Redacted] mortgage purchases HPML compliant loans | Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 941147 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | N/A | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 51.17505% exceeds Guideline total debt ratio of 50.00000%.<br> [2] Guideline Issue - Housing history reflects lates that do not meet guidelines<br> [2] Credit Documentation - Insufficient Verification of Rental History. | Lender exception provided for DTI exceeding program maximum.<br> Borrower had a balloon mortgage that matured which was not refinanced timely and consequently borrower received a notice of default in XXXX. Matured balloon was refinanced with bridge loan that has been paid as agreed. Subject loan is to refinance bridge loan into long term financing.<br> Allow rental income per tax return Schedule E rather than leases. | REVIEWER - WAIVED COMMENT (2019-07-08): Client has elected to waive this exception based on compensating factors.<br> REVIEWER - WAIVED COMMENT (2019-07-08): Client has elected to waive this exception based on compensating factors.<br> REVIEWER - WAIVED COMMENT (2019-07-08): Client has elected to waive this exception based on compensating factors. | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  | BUYER - GENERAL COMMENT (2019-07-09): XXXXXX has elected to waive this exception.<br> BUYER - WAIVED COMMENT (2019-07-09): XXXXXX has elected to waive this exception.<br> BUYER - WAIVED COMMENT (2019-07-09): XXXXXX has elected to waive this exception. | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. | Co-borrower is XXXX for the past XX years.<br>Credit score is XXX, XX points > program requirement of 660.<br>Paying off a blanket mortgage for 3 properties that will result in an overall monthly reduction of approximately $4,000.<br>Two closed mortgages reporting paid as agreed. |  | - B A |
| XXXX | XXXX | 594294 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 374924 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | Exempt from ATR | 2 | 2 | [2] Credit Documentation - No evidence of fraud report in file |  | REVIEWER - WAIVED COMMENT (2018-06-28): Waived by client - [Redact]<br> REVIEWER - RE-OPEN COMMENT (2018-06-29): adjust grade<br> REVIEWER - WAIVED COMMENT (2018-06-29): Waived by client | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification of when Borrower received appraisal was missing from the loan file.<br> Miscellaneous Compliance - (Doc Error) Initial GFE not provided: No Good Faith Estimate could be located in the loan file.<br> Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: The Right to receive a copy of the Appraisal report is missing from the loan file. |  | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. | Guideline variance approved by lender at time of origination |  | - B A |
| XXXX | XXXX | 835258 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | Exempt from ATR | 3 | 2 | [2] Closing / Title - Missing Document: Power of Attorney (POA) not provided<br> [2] Credit Documentation - No evidence of fraud report in file | Closing documents were signed by attorney in fact XXXX XXXX - copy of the power of attorney in file listing XXXX XXXX as POA who is also the recipient of all proceeds in this transaction and is transferring 100% ownership to borrower which would cause a conflict in interest. | REVIEWER - WAIVED COMMENT (2018-06-28): Client waives exception<br> REVIEWER - RE-OPEN COMMENT (2018-06-28): adjust<br> REVIEWER - WAIVED COMMENT (2018-06-28): Waived by client<br> REVIEWER - WAIVED COMMENT (2018-06-28): Waived by client - [Redact]<br> REVIEWER - RE-OPEN COMMENT (2018-06-28): adjust<br> REVIEWER - WAIVED COMMENT (2018-06-28): Waived by client | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and <br> Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX |  | REVIEWER - GENERAL COMMENT (2018-07-24): Locked Rooms- although photos are required as noted above it should be noted that on occasion a room may be inaccessible. In this case a notation of the locked room is acceptable with review and approval from the UW and the appraisal can be accepted as is. If the locked area is deemed material the UW may condition for an additional inspection. Per underwriter response: Appraisal guidelines permit locked rooms and reviewed with Manager [Redact], concurs, so waived the 1004D. - Issue remains - no documentation to support | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. | Guideline variance approved by lender at time of origination |  | - B C |
| XXXX | XXXX | 308858 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | ATR Risk | 3 | 3 | [3] Credit Documentation - No evidence of fraud report in file |  | REVIEWER - WAIVED COMMENT (2018-06-28): Waived by client - [Redact] | 1 |  |  |  | 2 | [2] Federal Compliance - 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 Risk.<br> [2] Federal Compliance - General Ability To Repay Provision Asset Consideration Loan: Ability to Repay (Dodd-Frank 2014): It is questionable whether this loan meets ATR requirements. | Federal Compliance - Check Loan Designation Match - ATR: Lender Loan Designation is Non-QM<br> Federal Compliance - General Ability To Repay Provision Asset Consideration Loan: Loan approved using Debt to Asset Ratio per guidelines | REVIEWER - GENERAL COMMENT (2018-07-03): Asset Qualification loan<br> REVIEWER - GENERAL COMMENT (2019-10-24): Updated from: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Federal Compliance - Check Loan Designation Match - ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - C B A |
| XXXX | XXXX | 834044 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 2 | 2 | [2] Application / Processing - Missing Document: Fraud Report not provided |  | REVIEWER - WAIVED COMMENT (2018-06-30): Waived by client | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Closing / Title - (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided.<br> [2] Closing / Title - (Doc Error) HUD Error: Loan amount on page 3 of the final HUD was not provided.<br> [2] Closing / Title - (Doc Error) HUD Error: Loan term on page 3 of the final HUD was not provided.<br> [2] Closing / Title - (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided.<br> [2] Closing / Title - (Doc Error) HUD Error: Balloon term question on page 3 of the final HUD was not provided.<br> [2] Closing / Title - (Doc Error) HUD Error: Can your interest rate rise question on page 3 of the final HUD was not provided.<br> [2] Closing / Title - (Doc Error) HUD Error: Can your loan balance rise question on page 3 of the final HUD was not provided.<br> [2] Closing / Title - (Doc Error) HUD Error: Can your monthly payment amount owed rise question on page 3 of the final HUD was not provided.<br> [2] Closing / Title - (Doc Error) HUD Error: Escrow question on page 3 of the final HUD was not provided.<br> [2] Closing / Title - (Doc Error) HUD Error: Prepayment penalty question on page 3 of the final HUD was not provided.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date : Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Closing / Title - (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided.: Final Hud1 model provided interest rate was not stated.<br> Closing / Title - (Doc Error) HUD Error: Loan amount on page 3 of the final HUD was not provided.: Final Hud form provided does not detail this information.<br> Closing / Title - (Doc Error) HUD Error: Loan term on page 3 of the final HUD was not provided.: Loan term on the Hud documentation provided is not stated.<br> Closing / Title - (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided.: P&I on the Final Hud document provided was not stated.<br> Closing / Title - (Doc Error) HUD Error: Balloon term question on page 3 of the final HUD was not provided.: Final Hud1 documentation provided does not have this question stated.<br> Closing / Title - (Doc Error) HUD Error: Can your interest rate rise question on page 3 of the final HUD was not provided.: Hud1 model provided can your interest rate rise question was not stated.<br> Closing / Title - (Doc Error) HUD Error: Can your loan balance rise question on page 3 of the final HUD was not provided.: Final Hud1 model provided can your loan balance rise question was not stated.<br> Closing / Title - (Doc Error) HUD Error: Can your monthly payment amount owed rise question on page 3 of the final HUD was not provided.: Final Hud1 documentation provided does not have this question stated.<br> Closing / Title - (Doc Error) HUD Error: Escrow question on page 3 of the final HUD was not provided.: Final Hud1 documentation provided does not have this question stated.<br> Closing / Title - (Doc Error) HUD Error: Prepayment penalty question on page 3 of the final HUD was not provided.: Final Hud1 documentation provided does not have this question stated.<br> Miscellaneous Compliance - (Doc Error) Initial GFE not provided: GFE is missing from the loan file. |  | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. | Guideline variance approved by lender at time of origination<br>Guideline variance approved by lender at time of origination |  | - B A |
| XXXX | XXXX | 639482 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 2 | 2 | [2] Application / Processing - Missing Document: Fraud Report not provided | A Fraud Report is not located in file. | REVIEWER - WAIVED COMMENT (2018-06-30): Waived by client | 1 |  |  |  | 2 | [2] Federal Compliance - 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:SecondaXX/XX/XXXX)<br> [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Closing / Title - (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided.<br> [2] Closing / Title - (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided.<br> [2] Closing / Title - (Doc Error) HUD Error: Can your interest rate rise question on page 3 of the final HUD was not provided.<br> [2] Closing / Title - (Doc Error) HUD Error: Maximum loan payment can ever rise to on page 3 of the final HUD was not provided.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date : Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The receipt of the appraisal 3 business days prior to close is not located in file.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The receipt of the appraisal 3 business days prior to close is not located in file.<br> Closing / Title - (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided.: This information on the HUD is blank and not completed.<br> Closing / Title - (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided.: This information on the HUD is blank and not completed.<br> Closing / Title - (Doc Error) HUD Error: Can your interest rate rise question on page 3 of the final HUD was not provided.: This information on the HUD is blank and not completed.<br> Closing / Title - (Doc Error) HUD Error: Maximum loan payment can ever rise to on page 3 of the final HUD was not provided.: The max rate during life of loan 10.5%<br> Miscellaneous Compliance - (Doc Error) Initial GFE not provided: A GFE was not used in this transaction.<br> Federal Compliance - (Missing Data) Last Rate Set Date : Rate Lock documents are not located in file.<br> Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Document borrower received copy of appraisal within three days of closing. | REVIEWER - GENERAL COMMENT (2019-10-28): Updated from: 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:Additional/[Redact]) | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. | Guideline variance approved by lender at time of origination |  | - B A |
| XXXX | XXXX | 183767 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | Exempt from ATR | 3 | 3 | [3] General - Missing Document: 1007 Rent Comparison Schedule not provided<br> [2] Application / Processing - Missing Document: Fraud Report not provided | A Fraud Report Is not located in file. | REVIEWER - WAIVED COMMENT (2018-06-30): Waived by client | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Valuation reflects an effective date of XX/XX/XXXXnd was signed on XX/XX/XXXX Valuation was provided to the borrower on XX/XX/XXXXhich is after the Effective Date of XX/XX/XXXXFederal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: A Right to Receive a copy is on page 347 however disclosure is not dated or signed. |  | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. | Guideline variance approved by lender at time of origination |  | - C B A |
| XXXX | XXXX | 125898 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 2 | 2 | [2] Application / Processing - Missing Document: Fraud Report not provided |  | REVIEWER - WAIVED COMMENT (2018-07-02): Waived by client | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date : Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. | Guideline variance approved by lender at time of origination |  | - B A |
| XXXX | XXXX | 758954 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 2 | 2 | [2] Application / Processing - Missing Document: Fraud Report not provided |  | REVIEWER - WAIVED COMMENT (2018-07-02): Waived by client | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Closing / Title - (Doc Error) HUD Error: Escrow question on page 3 of the final HUD was not provided.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: Unable to determine compliance with Right To Receive a Copy of Appraisal due to missing information | Closing / Title - (Doc Error) HUD Error: Escrow question on page 3 of the final HUD was not provided.: HUD form is incorrect that was used for transaction. Title company has marked the form as certified |  | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. | Guideline variance approved by lender at time of origination |  | - B A |
| XXXX | XXXX | 684473 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Closing Date: The final Closing Disclosure reflects a Closing Date of XX/XX/XXXX), but the transaction consummation (mortgage notary) date was XX/XX/XXXX). Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made. |  | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative |  |  | - A B |
| XXXX | XXXX | 365877 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Closing Date: The closing date on the CD is XX/XX/XXXX the CD was signed on XX/XX/XXXX. | REVIEWER - GENERAL COMMENT (2019-06-26): Received PCCD dated [Redact] reflecting the correct disbursement date, however the closing date was changed to [Redact] when the correct closing date is [Redact]. In addition, a copy of the refund check to the borrower is required. | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative |  |  | - A B |
| XXXX | XXXX | 710943 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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:PrimaXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,313.40 exceeds tolerance of $1,280.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The date that the appraisal was provided to the borrower was not found in the file.<br> Federal Compliance - TRID Final Closing Disclosure Closing Date: The closing date on the Closing Disclosure was XX/XX/XXXX The security instrument was notarized on 03/02/19. | REVIEWER - GENERAL COMMENT (2019-06-26): Received evidence of borrower's receipt of the original appraisal, however there is no evidence of borrower's receipt of the updated appraisal. | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative |  |  | - A B |
| XXXX | XXXX | 112304 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] Guideline Issue - Gift Funds not allowable per guidelines. | Guidelines state a maximum of 5 gift donors per transaction (pg 10/16) and file has 9 gift donors with no evidence of approved exception. | REVIEWER - GENERAL COMMENT (2019-06-27): Per guidelines provided for due diligence review, only 5 donors are allowed per transaction. Condition remains. | 1 |  |  |  | 1 |  |  |  |  |  |  | - C A |
| XXXX | XXXX | 427257 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Closing Date: The final Closing Disclosure reflects a Closing Date of XX/XX/XXXX but the transaction consummation mortgage notary date was XX/XX/XXXX. Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosure reflects Finance Charge of $402,114.60 but calculated Finance Charge of $402,282.10. Variance = $167.50. | REVIEWER - CURED COMMENT (2019-06-27): Received Borrower's corrected CD, letter to borrower, copy of refund check and evidence of borrower's receipt. Condition cured. | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 384499 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 2 | [2] Application / Processing - Missing Document: Other not provided | Missing borrower's ATR Cert. | REVIEWER - WAIVED COMMENT (2018-05-01): Per [Redact] Matrix - QC Notes. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Power Of Attorney Preparation Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7545)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $150.00 exceeds tolerance of $90.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Submission as Non-QM was provided. Based on adjusted lender's QM designation, the loan meets requirements.<br> Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: Borrower's CD reflected $737 Owner's Title Insurance and $399.44 Survey fees paid by seller. All other fees were reflected on the seller's CD. | REVIEWER - CURED COMMENT (2018-05-07): Submission as Non-QM was provided. Based on adjusted lender's QM designation, the loan meets requirements.<br> BUYER - WAIVED COMMENT (2018-05-02): Non-material: Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | DTI below max by 5% or greater. 22.67% vs 43.000%<br>FICO score above minimum by 20 points or greater. XXX vs 680<br>PITIA reserves above minimum by 6 months or greater: 92.21 months vs 2<br>Time on Job of 5 years or greater: XX years |  | - B A |
| XXXX | XXXX | 377774 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.37600% or Final Disclosure APR of 8.40900% is in excess of allowable threshold of APOR 4.50% + 2.5%, or 7.00000%. Compliant Higher Priced Mortgage Loan.<br> [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinXX/XX/XXXX) | Federal Compliance - Federal HPML 2014 Compliant: .<br> Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: Seller's CD reflects $55 title fees and $985 attorney fees which are not reflected on borrower's CD. | REVIEWER - WAIVED COMMENT (2018-05-10): Compliant Higher Priced Mortgage Loan.<br> BUYER - WAIVED COMMENT (2018-05-08): Non-material: Seller paid fees on bwr's CD were the only seller paid fees on behalf of borrower. Additional Fees on the Seller CD were costs to the seller. Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. | Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | DTI below max by 5% or greater. 36.11% vs 43.000%<br>FICO score above minimum by 20 points or greater. XXX vs 640<br>Time on Job of 5 years or greater: XX years |  | - A |
| XXXX | XXXX | 323694 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Post Close Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Finance Charge of $159,376.45 disclosed on the Final Closing Disclosure dated XX/XX/XXXX is under-disclosed by more than $35 compared to the Financed Charge calculated based on fees disclosed on the Post Closing Disclosure of $159,425.50 provided on XX/XX/XXXX. (Post-CloXX/XX/XXXX)<br> [2] Federal Compliance - TRID Post Close Closing Disclosure Total Of Payments Test Resindable Transactions: TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Total of Payments of $300,415.25 disclosed on the Final Closing Disclosure dated XX/XX/XXXX is inaccurate by more than $35 compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of $300,714.30 provided on XX/XX/XXXX. (Post-CloXX/XX/XXXX)<br> [1] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.07670% or Final Disclosure APR of 6.10500% is in excess of allowable threshold of APOR 4.44% + 1.5%, or 5.94000%. Compliant Higher Priced Mortgage Loan. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Submission as Non-QM was provided.<br> Federal Compliance - TRID Post Close Closing Disclosure Finance Charge: Math Post Closing CD Finance Charge = 159,425.50<br>Final Closing Disclosure Finance Charge =159,376.45 + 35<br> Federal Compliance - TRID Post Close Closing Disclosure Total Of Payments Test Resindable Transactions: Final Closing Disclosure Total Of Payments = 300,415.25 <br>Math Post Closing CD Total Of Payments = 300,714.30 - 35.00<br> Federal Compliance - Federal HPML 2014 Compliant: Compliant Higher Priced Mortgage Loan. - Final Disclosure APR of 6.10500% is in excess of allowable threshold of APOR 4.44% + 1.5%, or 5.94000%. | REVIEWER - CURED COMMENT (2018-05-07): Submission as Non-QM was provided. Based on adjusted lender's QM designation, the loan meets requirements.<br> REVIEWER - GENERAL COMMENT (2018-04-25): On PC CD, escrow fee increased [Redact] and processing fee decreased [Redact] The addition of [Redact] in finance charges caused total finance charge increase to [Redact] which exceeded max from closing CD of [Redact] Refund of [Redact] is required along with PC CD, LOE, evidence of delivery to cure the exception.<br> BUYER - GENERAL COMMENT (2018-05-08): ([Redact])First off the amounts they are listing are incorrect. Our signed final CD has finance charge of [Redact] The PC CD has a finance charge of [Redact] . See [Redact] showing a pass for all TILA Test. The finance charge is not more than $100 below the actual finance charge. This condition is invalid.<br> BUYER - GENERAL COMMENT (2018-05-08): ([Redact])On our PC CD a refund of [Redact] was given. After checking the system and [Redact] it appears an additional [Redact] is required bringing our total refund to [Redact] (as shown on the updated CD).<br> REVIEWER - GENERAL COMMENT (2018-05-08): PC CD was provided but no LOE, refund or evidence of shipping. Additionally, due to APR differences, new ROR is required to cure the exception.<br> SELLER - GENERAL COMMENT (2018-05-23): PC CD was provided but no LOE, refund or evidence of shipping. Additionally, due to APR differences, new ROR is required to cure the exception.<br> SELLER - GENERAL COMMENT (2018-05-31): The refund was given as a lender credit in escrow that is reflected on the Final Closing statement. We did not issue a check.<br> REVIEWER - GENERAL COMMENT (2018-06-01): [Redact] PCCD, LOE, check and evidence of shipping were provided, a new ROR is still required to complete cure due to change in APR.<br> SELLER - GENERAL COMMENT (2018-06-14): payment history uploaded.<br> REVIEWER - CURED COMMENT (2018-06-18): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of refund and shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br> REVIEWER - GENERAL COMMENT (2018-04-25): On PC CD, escrow fee increased [Redact] and processing fee decreased [Redact] as well as [Redact] reconveyance fee was added. The addition of [Redact] in borrower paid fees caused total of payments increase to [Redact] which exceeded max from closing CD of [Redact] Refund of [Redact] is required along with PC CD, LOE, evidence of delivery to cure the exception. The [Redact] as higher than the finance charge difference but will also include the refund of the finance charges.<br> BUYER - GENERAL COMMENT (2018-05-08): ([Redact])On our PC CD a refund of [Redact] was given. After checking the system and [Redact] it appears an additional [Redact] is required bringing our total refund to [Redact] (as shown on the updated CD).<br> REVIEWER - GENERAL COMMENT (2018-05-08): PC CD was provided but no LOE, refund or evidence of shipping. Additionally, due to APR differences, new ROR is required to cure the exception.<br> SELLER - GENERAL COMMENT (2018-05-23): PC CD was provided but no LOE, refund or evidence of shipping. Additionally, due to APR differences, new ROR is required to cure the exception.<br> SELLER - GENERAL COMMENT (2018-05-31): Please provide proof of delivery and copy of check for [Redact] refund given on the [Redact] PCCD. Once testing complete and cure validated, reopening of ROR will be required.<br> REVIEWER - GENERAL COMMENT (2018-06-01): [Redact] PCCD, LOE, check and evidence of shipping were provided, a new ROR is still required to complete cure due to change in APR.<br> SELLER - GENERAL COMMENT (2018-06-06): Please provide newly signed ROR.<br> BUYER - GENERAL COMMENT (2018-06-07): ([Redact])Please see attached.<br> REVIEWER - GENERAL COMMENT (2018-06-08): Please provide PC CD with evidence of delivery, LOE to borrower and evidence of new ROR.<br> SELLER - GENERAL COMMENT (2018-06-08): LOE insufficient - something that explains the new ROR please. Re-issuance of ROR does not clearly spell out that they have 3 new days.<br> BUYER - GENERAL COMMENT (2018-06-08): ([Redact])Please see attached.<br> REVIEWER - GENERAL COMMENT (2018-06-11): Looking for LOE from [Redact] ROR and [Redact] ROR still.<br> BUYER - GENERAL COMMENT (2018-06-11): ([Redact])Please see attached.<br> BUYER - GENERAL COMMENT (2018-06-12): ([Redact])Please see attached.<br> REVIEWER - GENERAL COMMENT (2018-06-12): LOE provided was not acceptable, LOE stated seller did not know wht, however new ROR is required due to change in APR. Please provided a CORRECT PC CD with LOE, evidence of shipping and new ROR that matches the date issued of PC CD as well as a final settlement statement that also matches PC CD to verify refund was already made. New ROR must be expired by midnight of [Redact] as [Redact] is final day to cure.<br> SELLER - GENERAL COMMENT (2018-06-14): Reviewer Comment: LOE provided was not acceptable, LOE stated seller did not know what, however new ROR is required due to change in APR. Please provided a CORRECT PC CD with LOE, evidence of shipping and new ROR that matches the date issued of PC CD as well as a final settlement statement that also matches PC CD to verify refund was already made. New ROR must be expired by midnight of [Redact] as [Redact] is final day to cure.<br> REVIEWER - CURED COMMENT (2018-06-18): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of refund and shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br> REVIEWER - WAIVED COMMENT (2018-04-23): Compliant Higher Priced Mortgage Loan. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Post Close Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Post Close Closing Disclosure Total Of Payments Test Resindable Transactions: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | 37.68579% DTI on this Full documentation loan < 43% guideline max - 5.31421% below program guideline maximum<br>FICO score above minimum by XX points or greater. XXX vs 640 |  | - A B |
| XXXX | XXXX | 891314 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Miscellaneous - Credit Exception:<br> [2] Income Documentation - Income Docs Missing:: Borrower: XXXXMost recent 2 months stamped | 12 month housing verification not met. Borrower purchased subject propertyXX/XX/XXXX. Verification of rent for the two months prior to purchase was not provided.<br> Net P&L income of $XXXX is not within 10% tolerance of the Personal 12 month bank statement average of $XXX<br> Lenders worksheet reflects deposit error on XX/XXXX reflecting gross deposits of $XXX when actual deposits for the month was only $XXX<br> SG Guidelines forXX/XX/XXXX require the two most recent months must be pulled by the originator directly from the financial institution, certified true by a bank officer, validated by a written VOD, or confirmed by a third part direct pull service. | REVIEWER - WAIVED COMMENT (2018-05-04): Client elected to waive the exception with verified compensating factors per email provided.<br> BUYER - GENERAL COMMENT (2018-05-09): ([Redact])Net P&L differs by is [Redact] [Redact] elects to waive using compensating factors:<br> FICO score above minimum by 20 points or greater at 650. Min requirement is 620.<br> Time on Job of 5 years or greater. Borrower self employed business owner for 6 years in the XXXX.<br> PITIA reserves above minimum by 6 months or greater. 18.83 vs 9 months<br> REVIEWER - WAIVED COMMENT (2018-05-10): Client elected to waive the exception with verified compensating factors.<br> BUYER - GENERAL COMMENT (2018-05-09): ([Redact])[Redact] elects to waive with compensating factors:<br> FICO score above minimum by 20 points or greater at 650. Min requirement is 620.<br> Time on Job of 5 years or greater. Borrower self employed business owner for 6 years in the XXXX.<br> PITIA reserves above minimum by 6 months or greater. 18.83 vs 9 months<br> REVIEWER - WAIVED COMMENT (2018-05-10): Client elected to waive the exception with verified compensating factors. | 1 |  |  |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX.<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/435200)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/414273)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/435200)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/414273)<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX)<br> [2] Federal Compliance - 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 $101.15 exceeds tolerance of $70.00. Insufficient or no cure was provided to the borrower. (7520)<br> [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Closing disclosure issued XX/XX/XXXX showed a disbursement date of XX/XX/XXXX. Actual consummation wasXX/XX/XXXXFederal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: AddedXX/XX/XXXXpon receipt ofXX/XX/XXXXlosing CD. The XX/XX/XXXX CD showed a hazard payment of $104.17 per month in G-01, however CD line F-01 and hazard insurance evidence both listed 12 month premium of $1819 or $151.58 per month. New ROR is required along with PC CD, LOE and evidence of delivery, cure can not occur until after expiration of new rescission period.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: The XX/XX/XXXX CD showed a hazard payment of $104.17 per month in G-01, however CD line F-01 and hazard insurance evidence both listed 12 month premium of $1819 or $151.58 per month. New ROR is required along with PC CD, LOE and evidence of delivery, cure can not occur until after expiration of new rescission period.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: AddedXX/XX/XXXXpon receipt ofXX/XX/XXXXlosing CD. The XX/XX/XXXX CD showed a hazard payment of $104.17 per month in G-01, however CD line F-01 and hazard insurance evidence both listed 12 month premium of $1819 or $151.58 per month. New ROR is required along with PC CD, LOE and evidence of delivery, cure can not occur until after expiration of new rescission period.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: The XX/XX/XXXX CD showed a hazard payment of $104.17 per month in G-01, however CD line F-01 and hazard insurance evidence both listed 12 month premium of $1819 or $151.58 per month. New ROR is required along with PC CD, LOE and evidence of delivery, cure can not occur until after expiration of new rescission period.<br> Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: AddedXX/XX/XXXXpon receipt ofXX/XX/XXXXlosing CD. The XX/XX/XXXX CD showed a hazard payment of $104.17 per month in G-01, however CD line F-01 and hazard insurance evidence both listed 12 month premium of $1819 or $151.58 per month. New ROR is required along with PC CD, LOE and evidence of delivery, cure can not occur until after expiration of new rescission period.<br> Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: The hazard policy in the file shows the premium to be $1819 per year.<br> Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: Added 5/16<br> Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: Most current disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Most current disclosure reflects an increase in the 10% tolerance fees, total expense is $101.15 for credit report fee, exceeds tolerance limit of $70.00 by $31.50, no cure provided at closing.<br> Federal Compliance - TRID Final Closing Disclosure Closing Date: AddedXX/XX/XXXXCD closing date isXX/XX/XXXXclosing date isXX/XX/XXXXFederal Compliance - TRID Final Closing Disclosure Closing Date: Final closing disclosure reflects closing date ofXX/XX/XXXX. Security Instrument has a notary date ofXX/XX/XXXX. | SELLER - GENERAL COMMENT (2018-04-25): Please see PC CD submitted for Exception ID 6256079<br> REVIEWER - GENERAL COMMENT (2018-04-30): PC CD and LOE were provided but no evidence of new ROR. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable. Cure can not be complete until end of ROR expiration period.<br> SELLER - GENERAL COMMENT (2018-05-01): Please see previously uploaded PC CD with an issue date of [Redact] closing date of [Redact] and disbursement date of [Redact] signed by the borrower at closing.<br> REVIEWER - GENERAL COMMENT (2018-05-01): Prescribed cure includes the following... TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. Exception remains.<br> SELLER - GENERAL COMMENT (2018-05-03): Please see previously uploaded PC CD with an issue date of [Redact] closing date of [Redact] and disbursement date of [Redact] signed by the borrower at closing.<br> REVIEWER - CURED COMMENT (2018-05-03): PC CDs both verify closing was [Redact] and funding was [Redact], agree no new ROR needed for this exception.<br> REVIEWER - GENERAL COMMENT (2018-06-05): PC CD provided to cure exception had incorrect closing and funding dates.<br> SELLER - GENERAL COMMENT (2018-06-06): See upload for Exception ID 6256080<br> REVIEWER - CURED COMMENT (2018-06-12): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of CD shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br> SELLER - GENERAL COMMENT (2018-04-27): PC CD, LOE, ROR and delivery to borrower required<br> REVIEWER - GENERAL COMMENT (2018-04-30): PC CD and LOE were provided but no evidence of refund or new ROR. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable. Cure can not be complete until end of ROR expiration period.<br> SELLER - GENERAL COMMENT (2018-05-01): Please note that a new ROR is not required. A PC CD was previously uploaded with an issue date of 4/17 which was signed by the borrower.<br> REVIEWER - GENERAL COMMENT (2018-05-01): Seller comment indicates PC CD issued [Redact] cured exception and notes that a new ROR is not required. However, this issue was not corrected on [Redact] PC CD. Issue was corrected on [Redact] PC CD, the monthly escrow payment increased from [Redact] to [Redact] total payment increased from [Redact] to [Redact] Due to payment increase, new ROR is required for refinance. Exception remains.<br> SELLER - GENERAL COMMENT (2018-05-03): Please note that a new ROR is not required. A PC CD was previously uploaded with an issue date of [Redact] which was signed by the borrower.<br> REVIEWER - GENERAL COMMENT (2018-05-03): Issue was not corrected on [Redact] PC CD, it was corrected on [Redact] PC CD. Due to change in monthly payment, new ROR is required.<br> SELLER - GENERAL COMMENT (2018-05-08): Please review response from [Redact] Manager [Redact].<br>I have reviewed the file, and noted the following.<br>The documentation of the HOI and the applicable fee details was included in the file as far back as [Redact], so that the information could have been updated to reflect the actual fee earlier in the process. Loan appears to have been re-disclosed 2-3times after HOI information was added to the E-Folder.<br>As for the question regarding the need to re-open rescission. It is my understanding that rescission would not be affected by a change in the fee associated with the HOI payment. While a Post Consummation CD should be prepared and provided to the borrower reflecting the corrected amount, and there will likely be some changes associated with the Escrow calculations, I do not see a need to re-open rescission for this issue.<br> BUYER - GENERAL COMMENT (2018-05-08): ([Redact])Please review response from [Redact] Manager [Redact].<br> I have reviewed the file, and noted the following.<br> The documentation of the HOI and the applicable fee details was included in the file as far back as [Redact], so that the information could have been updated to reflect the actual fee earlier in the process. Loan appears to have been re-disclosed 2-3times after HOI information was added to the E-Folder.<br>As for the question regarding the need to re-open rescission. It is my understanding that rescission would not be affected by a change in the fee associated with the HOI payment. While a Post Consummation CD should be prepared and provided to the borrower reflecting the corrected amount, and there will likely be some changes associated with the Escrow calculations, I do not see a need to re-open rescission for this issue.<br> REVIEWER - GENERAL COMMENT (2018-05-10): Per escalated review..There is a tolerance already built into certain fields on the CD where deemed permissible. If an exception is still being cited, it is because the disclosed amount is still outside this tolerance amount. With the re-disclosure of the PC-CD with new material terms (which includes the Projected Payments table on page 1 and Loan Calculations table on page 5), a new ROR will be required.<br> \*\*\*\*\*\*<br> There are several items deemed to be material disclosures as referenced under 1026.23(a)(3). The Rescission period on a loan starts when the latest of three things occurs, (1) the execution of the notice of right to cancel; (2) the consummation of the loan; and (3) the receipt by the consumer of the accurate material disclosures. The material disclosures include the following:<br> • APR <br> • Finance Charge <br> • Amount Financed <br> • Total of Payments <br> • Payment schedule (There are additional ones including disclosure for HOEPA and Prepays, but outside the CD.)<br> 1026.23(a)(3):<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph (b) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumer's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125(f) of the Act. <br> (ii) For purposes of this paragraph (a)(3), the term "material disclosures" means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in §§ 1026.32(c) and (d) and 1026.43(g).<br> SELLER - GENERAL COMMENT (2018-05-10): Please review response from [Redact] Manager [Redact].<br>I have reviewed the file, and noted the following.<br>The documentation of the HOI and the applicable fee details was included in the file as far back as [Redact], so that the information could have been updated to reflect the actual fee earlier in the process. Loan appears to have been re-disclosed 2-3times after HOI information was added to the E-Folder.<br>As for the question regarding the need to re-open rescission. It is my understanding that rescission would not be affected by a change in the fee associated with the HOI payment. While a Post Consummation CD should be prepared and provided to the borrower reflecting the corrected amount, and there will likely be some changes associated with the Escrow calculations, I do not see a need to re-open rescission for this issue.<br> REVIEWER - GENERAL COMMENT (2018-05-15): With regard to not re-opening rescission, the three-business-day rescission clock commences following the date of consummation, delivery of two notices of the right to rescind, or delivery of all the material disclosures, whichever occurs last. Material disclosures are defined in § 1026.23(a)(3)(ii) for closed-end credit.<br> § 1026.23(a)(3)(ii): For purposes of this paragraph (a)(3), the term "material disclosures" means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in §§ 1026.32(c) and (d) and 1026.43(g). <br> For Closing Disclosure purposes, the disclosed values in the Projected Payments table is considered the to be the payment schedule (defacto replacement to the payment stream for pre-TRID loans).<br> REVIEWER - GENERAL COMMENT (2018-06-05): PC CD provided to cure exception had incorrect closing and funding dates.<br> SELLER - GENERAL COMMENT (2018-06-06): PC CD provided to cure exception had incorrect closing and funding dates.<br> BUYER - GENERAL COMMENT (2018-06-06): ([Redact])ROR<br> REVIEWER - CURED COMMENT (2018-06-12): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of CD shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br> REVIEWER - GENERAL COMMENT (2018-06-05): PC CD provided to cure exception had incorrect closing and funding dates.<br> REVIEWER - CURED COMMENT (2018-06-12): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of CD shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br> SELLER - GENERAL COMMENT (2018-04-27): Please see PC CD uploaded for Exception ID 6256080<br> REVIEWER - GENERAL COMMENT (2018-04-30): PC CD and LOE were provided but no evidence of refund or new ROR. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable. Cure can not be complete until end of ROR expiration period.<br> SELLER - GENERAL COMMENT (2018-05-01): Please note that a new ROR is not required as the borrower signed a PC CD with an issue date of [Redact] closing date of [Redact] and disbursement date of [Redact]<br> REVIEWER - GENERAL COMMENT (2018-05-01): Seller comment indicates PC CD issued [Redact] cured exception and notes that a new ROR is not required. However, this issue was not corrected on [Redact] PC CD. Issue was corrected on [Redact] PC CD, the monthly escrow payment increased from [Redact] to [Redact] total payment increased from [Redact] to [Redact] Due to payment increase, new ROR is required for refinance. Exception remains.<br> SELLER - GENERAL COMMENT (2018-05-03): Please note that a new ROR is not required as the borrower signed a PC CD with an issue date of [Redact] closing date of [Redact] and disbursement date of [Redact]<br> REVIEWER - GENERAL COMMENT (2018-05-03): this exception was not corrected on [Redact] PC CD which still showed G-01 as [Redact] it was corrected on [Redact] PC CD. Regardless of which PC CD it was corrected on, new ROR has to accompany the [Redact] CD since there is a change in payment stream.<br> SELLER - GENERAL COMMENT (2018-05-08): Please review response from [Redact] Manager [Redact].<br>I have reviewed the file, and noted the following.<br>The documentation of the HOI and the applicable fee details was included in the file as far back as [Redact], so that the information could have been updated to reflect the actual fee earlier in the process. Loan appears to have been re-disclosed 2-3times after HOI information was added to the E-Folder.<br>As for the question regarding the need to re-open rescission. It is my understanding that rescission would not be affected by a change in the fee associated with the HOI payment. While a Post Consummation CD should be prepared and provided to the borrower reflecting the corrected amount, and there will likely be some changes associated with the Escrow calculations, I do not see a need to re-open rescission for this issue.<br> BUYER - GENERAL COMMENT (2018-05-08): ([Redact])Please review response from [Redact] Manager [Redact].<br> I have reviewed the file, and noted the following.<br> The documentation of the HOI and the applicable fee details was included in the file as far back as [Redact], so that the information could have been updated to reflect the actual fee earlier in the process. Loan appears to have been re-disclosed 2-3times after HOI information was added to the E-Folder.<br>As for the question regarding the need to re-open rescission. It is my understanding that rescission would not be affected by a change in the fee associated with the HOI payment. While a Post Consummation CD should be prepared and provided to the borrower reflecting the corrected amount, and there will likely be some changes associated with the Escrow calculations, I do not see a need to re-open rescission for this issue.<br> REVIEWER - GENERAL COMMENT (2018-05-10): Per escalated review..There is a tolerance already built into certain fields on the CD where deemed permissible. If an exception is still being cited, it is because the disclosed amount is still outside this tolerance amount. With the re-disclosure of the PC-CD with new material terms (which includes the Projected Payments table on page 1 and Loan Calculations table on page 5), a new ROR will be required.<br> \*\*\*\*\*\*<br> There are several items deemed to be material disclosures as referenced under 1026.23(a)(3). The Rescission period on a loan starts when the latest of three things occurs, (1) the execution of the notice of right to cancel; (2) the consummation of the loan; and (3) the receipt by the consumer of the accurate material disclosures. The material disclosures include the following:<br> • APR <br> • Finance Charge <br> • Amount Financed <br> • Total of Payments <br> • Payment schedule (There are additional ones including disclosure for HOEPA and Prepays, but outside the CD.)<br> 1026.23(a)(3):<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph (b) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumer's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125(f) of the Act. <br> (ii) For purposes of this paragraph (a)(3), the term "material disclosures" means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in §§ 1026.32(c) and (d) and 1026.43(g).<br> SELLER - GENERAL COMMENT (2018-05-10): Please review response from [Redact] Manager [Redact].<br>I have reviewed the file, and noted the following.<br>The documentation of the HOI and the applicable fee details was included in the file as far back as [Redact], so that the information could have been updated to reflect the actual fee earlier in the process. Loan appears to have been re-disclosed 2-3times after HOI information was added to the E-Folder.<br>As for the question regarding the need to re-open rescission. It is my understanding that rescission would not be affected by a change in the fee associated with the HOI payment. While a Post Consummation CD should be prepared and provided to the borrower reflecting the corrected amount, and there will likely be some changes associated with the Escrow calculations, I do not see a need to re-open rescission for this issue.<br> REVIEWER - GENERAL COMMENT (2018-05-15): With regard to not re-opening rescission, the three-business-day rescission clock commences following the date of consummation, delivery of two notices of the right to rescind, or delivery of all the material disclosures, whichever occurs last. Material disclosures are defined in § 1026.23(a)(3)(ii) for closed-end credit.<br> § 1026.23(a)(3)(ii): For purposes of this paragraph (a)(3), the term "material disclosures" means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in §§ 1026.32(c) and (d) and 1026.43(g). <br> For Closing Disclosure purposes, the disclosed values in the Projected Payments table is considered the to be the payment schedule (defacto replacement to the payment stream for pre-TRID loans).<br> REVIEWER - GENERAL COMMENT (2018-06-05): PC CD provided to cure exception had incorrect closing and funding dates.<br> SELLER - GENERAL COMMENT (2018-06-06): See upload for Exception ID 6256080<br> REVIEWER - GENERAL COMMENT (2018-06-11): ROR expires [Redact](today) at midnight, exceptions will be cured tomorrow.<br> REVIEWER - CURED COMMENT (2018-06-12): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of CD shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br> REVIEWER - GENERAL COMMENT (2018-06-05): PC CD provided to cure exception had incorrect closing and funding dates.<br> REVIEWER - CURED COMMENT (2018-06-12): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of CD shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br> SELLER - GENERAL COMMENT (2018-04-27): Please see PC CD uploaded under Exception 6256080<br> REVIEWER - CURED COMMENT (2018-04-30): PC CD and LOE were provided.<br> REVIEWER - CURED COMMENT (2018-05-16): [Redact] PC CD included cure.<br> REVIEWER - CURED COMMENT (2018-05-16): Cured on [Redact] PCCD.<br> SELLER - GENERAL COMMENT (2018-04-27): Please see PC CD uploaded under Exception ID 6256080<br> REVIEWER - GENERAL COMMENT (2018-04-30): PC CD and LOE were provided but no evidence of refund. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD.<br> SELLER - GENERAL COMMENT (2018-05-09): PC CD and LOE were provided but no evidence of refund.<br> REVIEWER - GENERAL COMMENT (2018-05-10): PC CD was provided showing [Redact] as required, however no evidence of the refund was provided.<br> BUYER - GENERAL COMMENT (2018-05-10): ([Redact])please see cost to cure check<br> REVIEWER - CURED COMMENT (2018-05-15): Evidence of refund was provided to accompany other cure docs.<br> REVIEWER - CURED COMMENT (2018-06-12): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of CD shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br> SELLER - GENERAL COMMENT (2018-04-25): See signed PC CD<br> REVIEWER - CURED COMMENT (2018-04-30): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower. This is the appropriate documentation required to cure the exception. | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative | FICO score above minimum by XX points or greater at XXX. Min requirement is 620.<br>PITIA reserves above minimum by 6 months or greater. 18.83 vs 9 months<br>Time on Job of X years or greater. Borrower self employed business owner for X years in the XXXX. |  | - B A |
| XXXX | XXXX | 237131 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Higher Priced QM | 2 | 2 | [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Twelve months bank debits or canceled checks to support rent payments of$XXX not provided. VOR in file reflects the amount of rent at$XXX since XX/XX/XXXX, and $XXX a month rent fromXX/XX/XXXX - XX/XX/XXXX | BUYER - GENERAL COMMENT (2018-06-01): ([Redact])[Redact] accepts 4 mos bank statements verifying rent as paid and acknowledges VOR amount of [Redact]<br>FICO score above minimum by 20 points or greater. 707 vs 600<br> REVIEWER - WAIVED COMMENT (2018-06-04): Client elected to waive the exception with verified compensating factors. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $3,135.00 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Master policy. Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75142)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $20.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75215)<br> [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [1] Federal Compliance - 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. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: Final CD did not included non-escrowed HO6 policy in non-escrowed costs.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: No cure was provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No cure provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No cure provided.<br> Federal Compliance - TRID Final Closing Disclosure Closing Date: Post closing CD provided curing however letter of explanation not provided.<br> Federal Compliance - TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD: Variances due to Seller paid fees for Utilities. Final Consumer CD reflects $166.68 in Utility fees in Section B. The Sellers CD does not.<br> The Sellers CD reflects Fees for Utilities of $68.02 for City Utilities to the City of David and $75.00 for City Water Usage not reflected on the Final CD. | BUYER - GENERAL COMMENT (2018-06-11): ([Redact])Seller response: I reached out to our closing manager on this file and she stated that the HO6 policy is not a requirement on this loan, they just paid it through closing so it is not considered a non-escrowed expense for this transaction.<br> REVIEWER - GENERAL COMMENT (2018-06-11): Line f-01 contained evidence of insurance premium paid on subject property, subsequently it is non-escrowed property cost.<br> BUYER - GENERAL COMMENT (2018-06-12): ([Redact])Line F01 does not show any prepaids.<br> REVIEWER - GENERAL COMMENT (2018-06-12): Please refer to borrower CD not seller CD.<br> SELLER - GENERAL COMMENT (2018-06-22): Condition upheld - HO6 policy needs to be included in the Non-escrowed costs.<br> REVIEWER - GENERAL COMMENT (2018-06-22): Seller provided PC CD reflecting non escrowed fees of [Redact] Math calculations of [Redact] insurance + [Redact] HOA = [Redact] [Redact] / [Redact] = 11.1046 months. [Redact] x 11 = [Redact]<br> REVIEWER - CURED COMMENT (2018-06-26): Post Close CD reflected 12 months of insurance and 11 months of HOA as the non-escrowed amount to be paid int eh first year. Condition Cured,<br> REVIEWER - GENERAL COMMENT (2018-06-20): Seller provided copy of [Redact] refund check, proof of delivery and letter of explanation. However, no evidence of required corrected CD. Issue remains open.<br> SELLER - GENERAL COMMENT (2018-06-22): Condition will be cured when tolerance exceptions are satisfied.<br> REVIEWER - CURED COMMENT (2018-06-22): Seller provided copy of corrected CD along with previously provided documents of LOE, refund check and proof of delivery.<br> REVIEWER - GENERAL COMMENT (2018-06-20): Seller provided copy of [Redact] refund check, proof of delivery and letter of explanation. However, no evidence of required corrected CD. Issue remains open.<br> SELLER - GENERAL COMMENT (2018-06-22): The cost to cure was provided on the CD dated [Redact]<br> REVIEWER - CURED COMMENT (2018-06-22): Seller provided copy of corrected CD along with previously provided documents of LOE, refund check and proof of delivery.<br> REVIEWER - GENERAL COMMENT (2018-06-20): Seller provided copy of [Redact] refund check, proof of delivery and letter of explanation. However, no evidence of required corrected CD. Issue remains open.<br> SELLER - GENERAL COMMENT (2018-06-22): Reviewer Comment: Seller provided copy of [Redact] refund check, proof of delivery and letter of explanation. However, no evidence of required corrected CD. Issue remains open.<br> REVIEWER - CURED COMMENT (2018-06-22): Seller provided copy of corrected CD along with previously provided documents of LOE, refund check and proof of delivery.<br> SELLER - GENERAL COMMENT (2018-06-22): The disclosure tracking and LOE is for the corrected CD sent on [Redact] for the correction to the non escrowed property costs over 1 year<br> REVIEWER - CURED COMMENT (2018-06-25): A letter of explanation to the borrower that accompanied a previously supplied PC CD was provided. This is the appropriate documentation required to cure the exception.<br> SELLER - GENERAL COMMENT (2018-06-04): This is the final CD and the sellers CD to match<br> REVIEWER - GENERAL COMMENT (2018-06-05): Please provide PC CD with matching seller fees to cure exception, seller CD and settlement statement were provided.<br> BUYER - WAIVED COMMENT (2018-06-11): Non-material: Seller paid fees on bwr's CD were the only seller paid fees on behalf of borrower. Additional Fees on the Seller CD were costs to the seller. Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative | FICO score above minimum by XX points or greater. XXX vs 600<br>PITIA reserves above minimum by 6 months or greater. 39 > 12 |  | - B A |
| XXXX | XXXX | 184650 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Total cash-out discrepancy.: HUD-1 total cash-out of $106,776.81 is greater than Guideline total cash-out of $106,400.00. |  | REVIEWER - WAIVED COMMENT (2018-05-23): Per [Redact] Matrix - QC Notes. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (FinXX/XX/XXXX)<br> [1] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.27980% or Final Disclosure APR of 7.40100% is in excess of allowable threshold of APOR 4.44% + 1.5%, or 5.94000%. Compliant Higher Priced Mortgage Loan. | Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: CD reflects $1,535, calculates to be $767.52. ($127.92 x 6)<br> Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: Note indicates 1 year LIBOR index while CD reflects UST5YW. Input into data field as 12 Month Treasury Average.<br> Federal Compliance - Federal HPML 2014 Compliant: Verified fees were input correctly. | BUYER - WAIVED COMMENT (2018-05-24): non-material: premium included prior years balance<br> BUYER - GENERAL COMMENT (2018-05-30): ([Redact])please see docs<br> REVIEWER - GENERAL COMMENT (2018-05-30): Received CD already reviewed, issued [Redact] Missing corrected PCCD.<br> BUYER - GENERAL COMMENT (2018-06-07): ([Redact])please see docs<br> REVIEWER - GENERAL COMMENT (2018-06-07): Received PC CD and entered data into Clarity, however the Total Interest Percentage issue still remains. CD reflects [Redact] calculates to be [Redact] Reviewer used index of [Redact] which was the highest available in the lookback period.<br> BUYER - WAIVED COMMENT (2018-06-08): Non-material: TIP is overdisclosed<br> REVIEWER - WAIVED COMMENT (2018-06-01): Compliant Higher Priced Mortgage Loan. | Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | DTI below max by 5% or greater: 29.38% vs 43%<br>PITIA reserves above minimum by 6 months or greater: 51.61 vs 15<br>Time on job 5 years or greater: 7.91 years. |  | - B A |
| XXXX | XXXX | 750696 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Income Documentation - Income Docs Missing:: Borrower:XXXX Business Narrative | The borrower's ATR Certification was not provided.<br> Business Narrative was not provided. | REVIEWER - WAIVED COMMENT (2018-06-08): Per [Redact] Matrix - QC Notes.<br> BUYER - GENERAL COMMENT (2018-06-08): ([Redact])Borrower owns a [Redact]. [Redact] elects to waive with compensating factors:<br> Time on Job of 5 years or greater. Borrower self employed owner of a [Redact] for 16.5 years.<br> PITIA reserves above minimum by 6 months or greater. 35 vs 12 months.<br> REVIEWER - WAIVED COMMENT (2018-06-08): Client elected to waive the exception with verified compensating factors. | 1 |  |  |  | 1 | [1] State Compliance - (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): California Higher-Priced Loan: APR on subject loan of 6.52560% or Final Disclosure APR of 6.55300% is in excess of allowable threshold of APOR 4.45% + 1.5%, or 5.95000%. Compliant Higher Priced Loan.<br> [1] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.52560% or Final Disclosure APR of 6.55300% is in excess of allowable threshold of APOR 4.45% + 1.5%, or 5.95000%. Compliant Higher Priced Mortgage Loan.<br> [1] Federal Compliance - 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. (FinXX/XX/XXXX) | State Compliance - (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Compliant Higher Priced Loan.<br> Federal Compliance - Federal HPML 2014 Compliant: Verified fees were input correctly.<br> Federal Compliance - TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD: The Final Consumer CD reflected a fee of $1,535 for the owners title policy. The Sellers CD reflected the fee as $612.00 | REVIEWER - WAIVED COMMENT (2018-06-04): Compliant Higher Priced Loan.<br> REVIEWER - WAIVED COMMENT (2018-06-08): Compliant Higher Priced Mortgage Loan for [Redact] and FED<br> BUYER - WAIVED COMMENT (2018-06-11): Non-material: Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. | State Compliance - (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Assignee Liability is unclear. The provisions of the Act may only be enforced by the Attorney General or the licensed person's licensing agency. Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable.<br>Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | PITIA reserves above minimum by 6 months or greater. 35 vs 12 months.<br>Time on Job of X years or greater. Borrower self employed owner of a XXXX for XX years. |  | - B A |
| XXXX | XXXX | 498198 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Income Documentation - Income Docs Missing:: Borrower:XXXX LOE- NSF<br> [2] Guideline Issue - SG residual income requirement not met. | LOE addressing NSF occurrences in XX/XXXX was not provided.<br> Loan is HPML. VA Residual income worksheet not provided.<br> Residual income of $XXXX is below requirement amount of $,1646 for family size of 2. | BUYER - GENERAL COMMENT (2018-06-13): ([Redact])please review. No service fees were charged in [Redact]<br> REVIEWER - GENERAL COMMENT (2018-06-14): This was for [Redact] not [Redact] There were [Redact] for overdrafts and [Redact] year to date.<br> BUYER - GENERAL COMMENT (2018-06-15): ([Redact])Per LOE for consumer lates borrower was on extended travel during time period. Also, borrower has added son to accounts to be able to write checks and move funds around as needed. [Redact] elects to waive with compensating factors:<br> PITIA reserves above minimum by 6 months or greater. 14 vs 3 months.<br> Time on Job of 5 years or greater. Job stability of 30 years.<br> 0 X 30 24 month housing history<br> REVIEWER - WAIVED COMMENT (2018-06-15): Client elected to waive the exception with verified compensating factors.<br> BUYER - GENERAL COMMENT (2018-06-13): ([Redact])[Redact] elects to waive with compensating factors:<br> PITIA reserves above minimum by 6 months or greater. 14 vs 3 months.<br> Time on Job of 5 years or greater. Job stability of 30 years.<br> 0 X 30 24 month housing history<br> REVIEWER - WAIVED COMMENT (2018-06-14): Client elected to waive the exception with verified compensating factors. | 1 |  |  |  | 1 | [1] State Compliance - (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): California Higher-Priced Loan: APR on subject loan of 6.64720% or Final Disclosure APR of 6.68300% is in excess of allowable threshold of APOR 4.69% + 1.5%, or 6.19000%. Compliant Higher Priced Loan.<br> [1] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.64720% or Final Disclosure APR of 6.68300% is in excess of allowable threshold of APOR 4.69% + 1.5%, or 6.19000%. Compliant Higher Priced Mortgage Loan.<br> [1] Federal Compliance - 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. (FinXX/XX/XXXX) | State Compliance - (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Compliant Higher Priced Loan.<br> Federal Compliance - Federal HPML 2014 Compliant: Compliant Higher Priced Mortgage Loan.<br> Federal Compliance - TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD: Final consumer CD reflects Owner's Title Insurance payment as $1,451.00. Seller CD reflects payment as $1,290.00. | REVIEWER - WAIVED COMMENT (2018-06-12): Compliant Higher Priced Loan.<br> REVIEWER - WAIVED COMMENT (2018-06-12): Compliant Higher Priced Mortgage Loan.<br> BUYER - WAIVED COMMENT (2018-06-13): Non-material: Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. | State Compliance - (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Assignee Liability is unclear. The provisions of the Act may only be enforced by the Attorney General or the licensed person's licensing agency. Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable.<br>Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | 0 X 30 24 month housing history<br>PITIA reserves above minimum by 6 months or greater. 14 vs 3 months.<br>Time on Job of 5 years or greater. Job stability of XX years. |  | - B A |
| XXXX | XXXX | 517446 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 2 | [2] Asset Documentation - Assets Error: Accounts are missing<br> [2] Asset Documentation - Guideline Issue: Insufficient asset documentation.: Financial Institution: International Bank / End Date: XX/XX/XXXX // Account Type: Checking / Account Number: 1XXXX, Financial Institution: International Bank / End Date: XX/XX/XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: International Bank / End Date: XX/XX/XXXX // Account Type: Life Insurance Value / Account Number: XXXX<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 50.33217% exceeds Guideline total debt ratio of 43.00000%. | Missing bank account statements verifying source of $XXX earnest money deposit.<br> Missing 4 months bank statements shown in US currency as required for Foreign National program. File has a portfolio summary shown in EUs.<br> Per 1008, Loan approved at 50.911% DTI, however no evidence SG Wiaver Exception form found in file. Note: Expanded DTI program is not eligible for Foreign National borrowers. | BUYER - GENERAL COMMENT (2018-07-02): ([Redact])The EMD should also be fine as these funds were wired from parents, from Italy to daughters US Bank account<br> REVIEWER - GENERAL COMMENT (2018-07-02): Gift funds letter reflects accounts [Redact] and [Redact] Please provide verification EMD funds came from one of these accounts. Issue remains open.<br> BUYER - GENERAL COMMENT (2018-07-05): ([Redact])EMD deposit were part of gift funds from parents. [Redact] elects to waive with compensating factors:<br> Time on Job of 5 years or greater: 26.41 years<br> FICO score above minimum by 20 points or greater<br> REVIEWER - WAIVED COMMENT (2018-07-06): Client elected to waive the exception with verified compensating factors.<br> BUYER - GENERAL COMMENT (2018-07-02): ([Redact])The asset documentation in file should suffice as portfolio shows individual balances and as an aggregated balance and inception date. Also provided a currency converted for US Dollars to EUs.<br> REVIEWER - GENERAL COMMENT (2018-07-02): [Redact] Guidelines state borrower must have a copy of the last 4 months bankstatement and they must be transalated into English language and shown in US currency. Issue remains open<br> BUYER - GENERAL COMMENT (2018-07-05): ([Redact])[Redact] elects to waive with compensating factors:<br>Time on Job of 5 years or greater: 26.41 years<br> FICO score above minimum by 20 points or greater<br> REVIEWER - WAIVED COMMENT (2018-07-06): Client elected to waive the exception with verified compensating factors.<br> BUYER - GENERAL COMMENT (2018-07-02): ([Redact])[Redact] elects to waive with compensating factors:<br> Time on Job of 5 years or greater: 26.41 years<br> FICO score above minimum by 20 points or greater<br> REVIEWER - WAIVED COMMENT (2018-07-02): Client elected to waive the exception with verified compensating factors. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinXX/XX/XXXX) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: .<br> Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: Transfer tax and owners title policy fees listed on consume's CD, all other fees listed on seller's CD | REVIEWER - CURED COMMENT (2018-07-06): NonQM submission provided.<br> BUYER - WAIVED COMMENT (2018-07-09): Non-material: Seller paid fees on bwr's CD were the only seller paid fees on behalf of borrower. Additional Fees on the Seller CD were costs to the seller. Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | FICO score above minimum by 20 points or greater<br>Time on Job of 5 years or greater: 26.41 years |  | - B A |
| XXXX | XXXX | 504753 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 2 | [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Bank debit or canceled checks for rent payments of XXXX not provided. Borrower residing sinceXX/XX/XXXX.<br> VOR in file reflects borrower's name and rent of $1254<br> Loan application indicates rent free. Rent Free letter from spouse not acceptable. | BUYER - GENERAL COMMENT (2018-06-28): ([Redact])Prior residence was only temporary as borrower sold prior home (mortgage history verified) and waiting to purchase subject property. [Redact] elects to waive with compensating factors:<br> Time on Job of 5 years or greater. Job stability of 9.8 years.<br> DTI below max by 5% or greater, 28.23% vs 43%<br> FICO score above minimum by 20 points or greater. 691 vs 580<br> PITIA reserves above minimum by 6 months or greater: 25.87 vs 3<br> REVIEWER - WAIVED COMMENT (2018-06-28): Client elected to waive the exception with verified compensating factors. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX)<br> [2] Federal Compliance - 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 $116.75 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - 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 $2,280.00 exceeds tolerance of $1,140.00. Insufficient or no cure was provided to the borrower. (7200)<br> [1] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.52950% or Final Disclosure APR of 6.53100% is in excess of allowable threshold of APOR 4.59% + 1.5%, or 6.09000%. Compliant Higher Priced Mortgage Loan.<br> [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: CD reflects $41.75, calculates to be $1,181.75. Cure for $1,140 discount fee was not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Cure of $41.75 was given to the borrower at closing for the credit report fee<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee disclosed as $1,140 on LE and as $2,280 on Final CD. No evidence found of VCC for this increase in discount points.<br> Federal Compliance - Federal HPML 2014 Compliant: Compliant Higher Priced Mortgage Loan.<br> Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: Sellers CD includes a $295 Real Estate Admin Fee in Section H, and increased fee for Commission of $8550.00 vs $7125 as reflected on the Final Consumer CD. | REVIEWER - CURED COMMENT (2018-07-02): Seller provided corrected CD and LOE<br> REVIEWER - CURED COMMENT (2018-06-20): CD reflects [Redact] tolerance cure<br> BUYER - GENERAL COMMENT (2018-07-02): ([Redact])please see PC CD, LOE and copy of refund<br> REVIEWER - CURED COMMENT (2018-07-02): Seller provided corrected CD, LOE, copy of refund check and proof of delivery<br> REVIEWER - WAIVED COMMENT (2018-06-20): Compliant Higher Priced Mortgage Loan for [Redact] and FED<br> BUYER - WAIVED COMMENT (2018-07-05): non-material: . Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | DTI below max by 5% or greater, 28.23% vs 43%<br>FICO score above minimum by XX points or greater. XXX vs 580<br>PITIA reserves above minimum by 6 months or greater: 25.87 vs 3<br>Time on Job of 5 years or greater. Job stability of X years. |  | - B A |
| XXXX | XXXX | 652392 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Income Documentation - Income Docs Missing:: Borrower: XXXX NSF | Missing letter of explanation for 1 overdraft fee reflected inXX/XX/XXXX bank statement and 2 overdraft fees reflected inXX/XX/XXXX bank statement. | REVIEWER - GENERAL COMMENT (2018-07-03): Seller provided LOE for credit derogatory accounts. Please provide LOE for NSF fees.<br> BUYER - GENERAL COMMENT (2018-07-05): ([Redact])Borrower has overdraft protection. [Redact] elects to waive with compensating factors:<br> DTI below max by 5% or greater, 31.91 % vs 43%<br> Time on Job of 5 years or greater 5 yrs vs 19 yrs<br> Residual income greater than 3X the VA. [Redact] vs [Redact] required per 1008<br> PITIA reserves above minimum by 6 months or greater: 15.25 vs 9<br> REVIEWER - WAIVED COMMENT (2018-07-06): Client elected to waive the exception with verified compensating factors. | 1 |  |  |  | 1 | [1] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.16670% or Final Disclosure APR of 8.17600% is in excess of allowable threshold of APOR 4.59% + 2.5%, or 7.09000%. Compliant Higher Priced Mortgage Loan.<br> [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinXX/XX/XXXX) | Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: $50 HOA Closing fee and $75 Post Closing fee not reflected on borrower's CD. | REVIEWER - WAIVED COMMENT (2018-06-26): Compliant Higher Priced Mortgage Loan for [Redact] and FED<br> BUYER - WAIVED COMMENT (2018-07-09): Non-material: Seller paid fees on bwr's CD were the only seller paid fees on behalf of borrower. Additional Fees on the Seller CD were costs to the seller. Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. | Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | DTI below max by 5% or greater, 31.91 % vs 43%<br>PITIA reserves above minimum by 6 months or greater: 15.25 vs 9<br>Residual income greater than 3X the VA. $XXXX vs $1,623 required per 1008<br>Time on Job of 5 years or greater 5 yrs vs XX yrs |  | - B A |
| XXXX | XXXX | 858708 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Post Close Closing Disclosure Total Of Payments Test Rescindable Transactions: TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Total of Payments of $1,201,985.73 disclosed on the Final Closing Disclosure dated XX/XX/XXXX is inaccurate by more than $35 compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of $1,202,421.35 provided on XX/XX/XXXX, a difference of $435.62000. (Post-CloXX/XX/XXXX)<br> [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: Closing costs financed per final CD are -$7,018.27. Calculated closing costs financed are $7,018.27. Variance is $14,036.54.<br> Federal Compliance - TRID Post Close Closing Disclosure Total Of Payments Test Rescindable Transactions: Several fees were increased, decreased, or added on the PCCD causing TOP to be under disclosed by $435.62. Need evidence that increases resulting in under disclosure were due to events occurring after consummation, otherwise, cure required. Remediation includes Letter of Explanation, Refund check for under disclosed equivalent amount, Reopened Rescission, updated CD and proof of delivery.<br> Federal Compliance - TRID Final Closing Disclosure Closing Date: Security instrument was notarizedXX/XX/XXXX. Closing date on final CD isXX/XX/XXXX. | REVIEWER - CURED COMMENT (2018-06-29): Cured on CD dated [Redact]<br> REVIEWER - CURED COMMENT (2018-06-29): A corrected post close CD dated [Redact] letter of explanation to the borrowers, updated Notice of Right to Cancel, copy of a refund check for [Redact] and evidence of delivery have been provided.<br> REVIEWER - CURED COMMENT (2018-06-29): Received PC CD and LOE to borrower with correct closing date | Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Post Close Closing Disclosure Total Of Payments Test Rescindable Transactions: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative |  |  | - A B |

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## Exhibit 99.3

![](situsamc_logo.jpg)

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Loan 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** |
| XXXX | XXXX | 871654 |  | 12366608 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. |  |  |  | Reviewer Comment (2019-06-19): AMC received PCCD correcting close date and LOE. Exception Cured. |  | XX/XX/XXXX 2:06:24 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 871654 |  | 12366612 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Buyer Comment (2019-06-19): Revised CD was signed by borrower prior to funding/disbursement with accurate figures<br>Reviewer Comment (2019-06-19): Post review condition added due to actual Final CD provided with signature date ofXX/XX/XXXX (which cured RTC conditions)<br> . If document was not provided to borrower matching the actual Final CD figure, condition can be waived without comp factors and lenders' acknowledgment of condition. |  |  | XX/XX/XXXX 3:24:27 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| XXXX | XXXX | 871654 |  | 12366613 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. | Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. |  |  |  | Reviewer Comment (2019-06-19): Letter of Explanation & Corrected Closing Disclosure provided |  | XX/XX/XXXX 3:04:00 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 871654 |  | 12366614 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. | Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. |  |  |  | Reviewer Comment (2019-06-19): Letter of Explanation & Corrected Closing Disclosure provided |  | XX/XX/XXXX 3:04:19 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 871654 |  | 12366615 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepaid Interest | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed prepaid interest under Prepaids that does not match calculated figures. | Final Closing Disclosure provided on XX/XX/XXXX disclosed prepaid interest under Prepaids that does not match calculated figures. |  |  |  | Reviewer Comment (2019-06-19): Letter of Explanation & Corrected Closing Disclosure provided |  | XX/XX/XXXX 3:04:37 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 871654 |  | 12366617 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller Value - Total Closing Costs | TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on XX/XX/XXXX disclosed a final value for Total Closing Costs that does not match Total Closing Costs (Borrower-Paid) disclosed on page 2. | Final Closing Disclosure provided on XX/XX/XXXX disclosed a final value for Total Closing Costs that does not match Total Closing Costs (Borrower-Paid) disclosed on page 2. |  |  |  | Reviewer Comment (2019-06-19): Letter of Explanation & Corrected Closing Disclosure provided |  | XX/XX/XXXX 3:04:57 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 569930 |  | 12705521 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Missing Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (FinXX/XX/XXXX) | The final CD does not identify any seller paid fees. The post funding CD shows $4,000.00 in seller paid fees while the seller's CD shows $XXX. |  |  |  | Reviewer Comment (2019-07-17): Data supplied on subsequent CDs (SFIG). |  | XX/XX/XXXX 10:32:19 AM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 218912 |  | 12705852 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Cash To Close | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. (FinXX/XX/XXXX) | Calculation Cash to Close table on Final CD shows -$XXX, calculated is -$XXX. |  |  |  | Reviewer Comment (2019-07-17): Data correct on subsequent CDs (SFIG).<br>Reviewer Comment (2019-07-17): Received rebuttal, but it does not contain the amounts in the Calculation Cash to Close section. Please reference this section for the discrepancy. |  | XX/XX/XXXX 5:10:39 PM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | Yes |
| XXXX | XXXX | 186247 |  | 14463586 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided onXX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Disclosure reflects Closing Date of XX/XX/XXXX, but transaction consummation (mortgage notary) date was XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 186247 |  | 14463594 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 186247 |  | 14463606 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. |  |  |  |  | Reviewer Comment (2017-04-19): Designation switched to Non-QM |  | XX/XX/XXXX 4:35:04 PM |  | 2 B |  | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 392802 |  | 14463608 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Consummation date is XX/XX/XXXX. Final Closing Disclosure reflects closing date of XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 392802 |  | 14463609 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Loan Estimate Esign Consent Agreement Timing | ESIGN Act - Loan Estimate provided onXX/XX/XXXX was electronically provided prior to borrower's consent to receive electronic disclosures. (InitiXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 392802 |  | 14463612 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 978017 |  | 14463552 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepaid Property Tax Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided onXX/XX/XXXX did not disclose number of months for Property Tax under Prepaids. (FinXX/XX/XXXX) | Data field is blank. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 978017 |  | 14463553 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 246978 |  | 14463587 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX) | CD data field is blank, calculates to be $99.70. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 842364 |  | 14463742 |  | 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 $550.00 exceeds tolerance of $450.00. Insufficent or no cure was provided to the borrower. (7506) |  |  |  |  | Reviewer Comment (2017-04-28): Cured at closing. |  | XX/XX/XXXX 12:58:02 PM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 878025 |  | 14463901 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception in file. | Borrower on this full documentation loan has a disposable income of $XXXX when only $4700 is required.<br>6 months reserves required; have 74.98 months verified. |  |  | Reviewer Comment (2017-05-10): Client elects to waive. |  |  | XX/XX/XXXX 4:53:02 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 617148 |  | 14463998 |  | Credit | Guideline | Guideline Issue | Guideline | Disposable income is less than $1,500.00 and below guideline minimum. |  | Lender's exception approved in file. | XXX FICO , 660 required<br>85% LTV, max 90% allowed |  |  | Reviewer Comment (2017-05-19): Client elects to waive. |  |  | XX/XX/XXXX 10:55:04 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 617148 |  | 14464006 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than <br> Guideline PITIA months reserves of ___. | Lender approved exception. | XXX FICO , 660 required<br>85% LTV, max 90% allowed |  |  | Reviewer Comment (2017-05-19): Client elects to waive. |  |  | XX/XX/XXXX 10:54:08 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 725943 |  | 14463974 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed Total Closing Costs (Paid by Seller at Closing) that does not match sum of fees. (FinXX/XX/XXXX) | Final Closing Disclosure reflects Seller Paid Closing Costs totaling $XXX, however actual calculated is $XXX. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 725943 |  | 14463975 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) | The file is missing a copy of the Seller's CD. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 637948 |  | 14464088 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepaid Interest | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided onXX/XX/XXXX disclosed prepaid interest under Prepaids that does not match calculated figures. (FinXX/XX/XXXX) | 17 days collected and should be 16. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 637948 |  | 14464089 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  | Reviewer Comment (2017-07-17): Lender provided LOE, proof of delivery, and re-opened rescission on correct form. |  | XX/XX/XXXX 4:20:42 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Home Improvement | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | No |
| XXXX | XXXX | 637948 |  | 14464090 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to not include taxes and insurance payment for daughters property where borrower is on title to not be considered in the qualifying ratios. Lender approved exception. | 25.29 months reserves > 3 months guideline minimum - borrowers have verified reserves of $XXXX.<br>47.27% LTV < 80 guideline max - $XXXX more equity than required by program guidelines |  |  | Reviewer Comment (2017-05-24): Client elects to waive. |  |  | XX/XX/XXXX 3:07:10 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Home Improvement | B A | Non QM | Non QM | No |
| XXXX | XXXX | 117386 |  | 14464092 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Lender approved exception for DTI. Guidelines maximum for non-warrantable condo level 3 is 43%. Exception approved for 50.057% | 29 months reserves > 12 months guideline minimum - borrowers have verified reserves of $XXXX<br>Borrower on this full documentation loan has a disposable income of $XXXX, $1,480 required by guidelines. |  |  | Reviewer Comment (2017-05-25): Client elects to waive. |  |  | XX/XX/XXXX 8:45:19 AM | 2 B |  | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 117386 |  | 14464093 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided onXX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX) | Cure for pest inspection fee of $75.00 was not provided. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 117386 |  | 14464096 |  | 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 $23.05 exceeds tolerance of $0.00. Insufficent or no cure was provided to the borrower. (7520) | Cure of $23.05 was provided. |  |  |  | Reviewer Comment (2017-05-25): Cure for $23.05 was provided on final CD |  | XX/XX/XXXX 7:49:35 AM |  | 2 B |  | XX | Second Home | 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 |
| XXXX | XXXX | 117386 |  | 14464097 |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | Miscellaneous Compliance: Non-Material Compliance Exception: |  | Post close CD issuedXX/XX/XXXX was signed onXX/XX/XXXX. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 117386 |  | 14464098 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for DTI. Guidelines maximum for non-warrantable condo level 3 is 43%. Exception approved for 50.057% | 29 months reserves > 12 months guideline minimum - borrowers have verified reserves of $XXXX<br>Borrower on this full documentation loan has a disposable income of $XXXX, $1,480 required by guidelines. |  |  | Reviewer Comment (2017-05-25): Client elects to waive. |  |  | XX/XX/XXXX 8:46:59 AM | 2 B |  | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 823094 |  | 14464110 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Alternate Table Usage | TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. | Initial Loan Estimate disclosure was issued on the "Without Seller" form, and the re-disclosed Loan Estimates, initial and final Closing Disclosures were issued on the "With Seller" form. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Good Faith Redisclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 823094 |  | 14464111 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete <br> and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  | Reviewer Comment (2017-07-17): Lender provided LOE, proof of delivery, and re-opened rescission on the correct form. |  | XX/XX/XXXX 3:02:57 PM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 823094 |  | 14464113 |  | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Fees were not reflected in the correct section of the disclosure. |  | The Final Closing Disclosure reflects title fees in Section C, however the provider from the SSPL was utilized; therefore fees should be located in Section B. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Good Faith Redisclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 978556 |  | 14464157 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 978556 |  | 14464158 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 978556 |  | 14464159 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  | Reviewer Comment (2017-07-17): Lender provided LOE, proof of delivery, and re-opened rescission on correct form. |  | XX/XX/XXXX 4:24:53 PM |  | 2 B |  | XX | 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 B | Non QM | Non QM | No |
| XXXX | XXXX | 975530 |  | 14464258 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application DateXX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due DateXX/XX/XXXX. |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 975530 |  | 14464260 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: $XXX, Credit Report: Original // Public Record Type: Collections / Balance: XXXX | Guidelines require all judgements, liens, collections accounts and charge off accounts that cumulatively total in excess of $25,000 are permitted.<br> The origination credit report reflects two accounts that are reported under the collections, with last activity of 11/2014 with a balance of $XXX and last activity of 10/2012 with a balance of $XXX. Also reporting are collections accounts with a cumulative balance of $XXX. No documentation provided to show accounts were paid prior to closing. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 895481 |  | 14464356 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided onXX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Note, security instrument and notary date areXX/XX/XXXXbut final CD shows closing date ofXX/XX/XXXX Corrected post close CD with closing date matching notary date is required with letter of explanation to the borrower for the change. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | No |
| XXXX | XXXX | 895481 |  | 14464366 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved two exceptions:<br> To allow lack of K-1's to verify less than 25% ownership.<br> To accept an LOE for a historically small XXXXXXXX business listed as schedule C on applicant's 1040's in lieu of actual P&L's/Balance Sheet with zero income. | 27% DTI on this full documentation loan < 43% guideline max - 16% below program guideline maximum<br>Borrower on this full documentation loan has a disposable income of $XXXX. |  |  | Reviewer Comment (2017-06-19): Client elects to waive. |  |  | XX/XX/XXXX 5:09:58 PM | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 530701 |  | 14464447 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | No |
| XXXX | XXXX | 530701 |  | 14464448 |  | 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 Collateral Desktop Analysis. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) |  |  |  |  |  |  | XX/XX/XXXX 6:23:03 PM |  | 1 A |  | XX | Investment | Purchase | Final CD evidences Cure B A | N/A | N/A | No |
| XXXX | XXXX | 180999 |  | 14464483 |  | 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 $31.98 exceeds tolerance of $28.00. Insufficient or no cure was provided to the borrower. (7520) | Cure provided on Closing Disclosure |  |  |  | Reviewer Comment (2017-06-28): Lender provided $5.98 credit at closing for increase in Closing Costs above the legal limit. |  | XX/XX/XXXX 12:11:03 PM |  | 2 B |  | XX | 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 |
| XXXX | XXXX | 180999 |  | 14464484 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $92.00 exceeds tolerance of $90.00. Insufficient or no cure was provided to the borrower. (7580) | Cure provided on Closing Disclosure |  |  |  | Reviewer Comment (2017-06-28): Lender provided $5.98 credit at closing for increase in Closing Costs above the legal limit. |  | XX/XX/XXXX 12:10:50 PM |  | 2 B |  | XX | 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 |
| XXXX | XXXX | 473977 |  | 14464520 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 473977 |  | 14464521 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Home Loan Toolkit Timing | Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 473977 |  | 14464522 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 348821 |  | 14464555 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Discount Point Percentage | TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed Discount Point percentage that does not match disclosed calculated percentage of loan amount. (FinXX/XX/XXXX) | Page 2 Section A Line 1 did not disclose the percentage of loan amount paid in points. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 348821 |  | 14464556 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Lender Approved exception. | Required Residual Income of $XXXX, actual $XXXX exceeds by $XXXX.<br>Non-borrowing spouse income documented with 2016 tax return in file but not used in qualifying. |  |  | Reviewer Comment (2017-07-03): Client elects to waive. |  |  | XX/XX/XXXX 9:57:25 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 321993 |  | 14464653 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Property Value | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (FinXX/XX/XXXX) | Appraised value on final CD is from the field review which is lower than the appraised value. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | No |
| XXXX | XXXX | 321993 |  | 14464654 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX) | Cure for Recording fee of $133.00 was not provided. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | No |
| XXXX | XXXX | 321993 |  | 14464657 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for use of short-term lease for the subject property which is an XXXX. No full term lease established, however property has two years tax return history of generating significant income. | Significant excess residual income. Required: $XXXX, Verified: $XXXX, Excess: $XXXX.<br>Significant excess reserves. 6 months reserves required; 11.78 months verified.<br>31.846% DTI below the 43% max. |  |  | Reviewer Comment (2017-07-11): Client elects to waive. |  |  | XX/XX/XXXX 8:43:12 AM | 2 B |  | XX | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| XXXX | XXXX | 765372 |  | 14464680 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX) | No cure found related to the zero and 10% tolerance issues. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 765372 |  | 14464683 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $90.00 exceeds tolerance of $10.00. Insufficient or no cure was provided to the borrower. (7580) | Typographical error. Fees for Flood and Tax Service were initially transposed on initial LE and corrected on re-disclosure dated XX/XX/XXXX. |  |  |  | Reviewer Comment (2017-07-25): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. |  | XX/XX/XXXX 3:27:33 PM |  | 2 B |  | XX | 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 |
| XXXX | XXXX | 863018 |  | 14464701 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Disclosure reflects Closing Date of (XX/XX/XXXX), but transaction consummation (mortgage notary) date was (XX/XX/XXXX). |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 863018 |  | 14464702 |  | 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 $750.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Fee disclosed as ($700) on (LE dated XX/XX/XXXX), but disclosed as ($750.00) on Final Closing Disclosure. |  |  |  |  |  | XX/XX/XXXX 9:18:08 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 863018 |  | 14464706 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 791718 |  | 14464812 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 791718 |  | 14464814 |  | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Fees were not reflected in the correct section of the disclosure. |  | Title - E-Recording Fee is shown in Section B: Services Borrower Did Shop For, however, the borrower did not use a provider listed on the SPPL. This fee should have been in Section C: Services Borrower Did Shop For. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | Good Faith Redisclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 839308 |  | 14464894 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Not Provided Timely | RESPA: Initial escrow account statement was not provided to the borrower at closing. | Initial Escrow Disclosure dated XX/XX/XXXX. Consummation date of XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 839308 |  | 14464896 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinXX/XX/XXXX) | Post closing CD dated XX/XX/XXXX issued to confirms final disbursement date, adding seller paid fees and Closing costs |  |  |  | Reviewer Comment (2017-07-20): Amended CD dated XX/XX/XXXX. |  | XX/XX/XXXX 1:57:42 PM |  | 1 A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 828027 |  | 14464913 |  | 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:PrimaXX/XX/XXXX) | Appraisal waiver provided in initial disclosure package from lenderXX/XX/XXXXborrower signed appraisal waiver 6/1/17. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 828027 |  | 14464915 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Loan product type is ineligible as required by guidelines. |  | Guidelines require borrower(s) qualified Tier 2 living rent-free that do not have the required housing payment history in the last 12 months, if applicable, are still eligible to qualify for a purchase transaction of a primary residence so long as they are living rent free with a relative evidenced with a letter of explanation executed by the relative confirming there is/was no monthly obligation. Borrower provided documentation to evidence his current primary residence is provided by his employer. | Borrowers made a down payment of $XXXX from their own funds on this purchase transaction.<br>Borrower has employment stability for 25 years in the real estate maintenance industry.<br>36.95730% DTI on this (Documentation Type) documentation loan < 50.00% guideline max - 13.0427% below program guideline maximum |  |  | Reviewer Comment (2017-07-24): Client elects to waive. |  |  | XX/XX/XXXX 6:06:22 PM | 2 B |  | XX | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 416508 |  | 14464953 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower Eligibility: Guidelines require the subject property be vested to Persons, Joint tenants or Tenants in common. The property vesting is to a Trust. <br> Note: The Note identifies both the borrowers individually, and as the Trust, as having financial liability. The security instrument also binds the borrower individually by the Revocable Trust Rider and Revocable Trust as Borrower - Acknowledgement. The vesting on the security instrument and the title commitment only identifies the Trust.<br>Lender approved exception. | 171.27 months reserves > 6 months guideline minimum - borrowers have verified reserves of$XXXX.<br>Co-borrower has employment stability for 8.02 years in the XXXX.<br>XXX representative FICO score > 660 guideline minimum - XXX points above guideline minimum. |  |  | Reviewer Comment (2017-08-18): Client elects to waive. |  |  | XX/XX/XXXX 5:18:02 PM | 2 B |  | XX | Second Home | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 533353 |  | 14464956 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 533353 |  | 14464958 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Job gap of 6 months with LOE and required 6 months back to work not met, co-borrower on current job only 3 months. Lender approved exception. | DTI of 38% is significantly below the 45% maximum<br>LTV of 62% is significantly below the maximum of 75%. |  |  | Reviewer Comment (2017-07-26): Client elects to waive. |  |  | XX/XX/XXXX 2:29:09 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 533353 |  | 14464959 |  | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Fees were not reflected in the correct section of the disclosure. |  | Final Cd reflects Seller paid non-optional Title fees incorrectly in section H versus section C. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Good Faith Redisclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 132646 |  | 14464975 |  | 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 $1,740.00 exceeds tolerance of $1,561.00 plus 10% or $1,717.10. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  |  |  | XX/XX/XXXX 7:17:29 PM |  | 1 A |  | XX | Investment | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | N/A | N/A | No |
| XXXX | XXXX | 132646 |  | 14464976 |  | 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 $600.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  |  |  | XX/XX/XXXX 7:17:29 PM |  | 1 A |  | XX | Investment | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | N/A | N/A | No |
| XXXX | XXXX | 132646 |  | 14464977 |  | 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 Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  |  |  | XX/XX/XXXX 7:17:29 PM |  | 1 A |  | XX | Investment | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | N/A | N/A | No |
| XXXX | XXXX | 132646 |  | 14464978 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Lender approved exception in file. | XXX representative credit score exceeds 640 guidelines by XX points.<br>Borrower on this Full documentation loan has a disposable income of $XXXX> $1,000.00 guideline minimum required for a family of two and a loan amount < $150,000.00. |  |  | Reviewer Comment (2017-07-26): Client elects to waive. |  |  | XX/XX/XXXX 1:01:44 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Debt Consolidation | B A | N/A | N/A | No |
| XXXX | XXXX | 132646 |  | 14464979 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception. Lease agreements not required on commercial properties. | XXX representative credit score exceeds 640 guidelines by XX points.<br>Borrower on this Full documentation loan has a disposable income of $XXXX > $1,000.00 guideline minimum required for a family of two and a loan amount < $150,000.00. |  |  | Reviewer Comment (2017-07-26): Client elects to waive. |  |  | XX/XX/XXXX 1:03:12 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Debt Consolidation | B A | N/A | N/A | No |
| XXXX | XXXX | 214246 |  | 14465105 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 214246 |  | 14465106 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Security instrument notarizedXX/XX/XXXX |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 214246 |  | 14465107 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 214246 |  | 14465108 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (FinXX/XX/XXXX) |  |  |  |  | Reviewer Comment (2017-08-10): Lender provided LOE and corrected CD. |  | XX/XX/XXXX 3:51:44 PM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 214246 |  | 14465112 |  | 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 $170.00 exceeds tolerance of $150.00 plus 10% or $165.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  |  |  | XX/XX/XXXX 1:58:23 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 512656 |  | 14465251 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Final Closing Disclosure datedXX/XX/XXXXisclosed a closing date ofXX/XX/XXXXnd the borrower signed on 7/XX/17. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 512656 |  | 14465252 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 512656 |  | 14465254 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Own/Rent was not provided |  | The final 1003 indicates borrower rents and pays $XXXX mo rent. The fraud report indicates borrower, with spouse, took title to this property XX/XX/XXXX with no liens. An explanation should be provided and the 1003 corrected. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 512656 |  | 14465256 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Lender approved exception. | Borrower on this Full documentation loan has a disposable income of $XXXX. $2,200 minimum required for a family of 4. |  |  | Reviewer Comment (2017-08-22): Client elects to waive. |  |  | XX/XX/XXXX 8:09:10 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 874260 |  | 14465384 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Final Closing Disclosure dated XX/XX/XXXX disclosed a Closing Date of XX/XX/XXXX. Deed of Trust was notarized on XX/XX/XXXX. CD provided post-closing still disclosed the incorrect closing date of XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 874260 |  | 14465386 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX) | Final Closing Disclosure, Section F. Prepaids disclosed the annual Homeowner's Insurance Premium as $577.50 which does not match the monthly Homeowner's Insurance Premium of $52.50 which equates to $630.00 annually. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 427511 |  | 14869703 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $XXX (an overage of $XXX or $XXX). | Points and Fees on subject loan of XX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $XXX |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 427511 |  | 14869704 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). | Lender Contact Name is not reflected on the consumer's final CD. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 427511 |  | 14869709 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Missing signature. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 258797 |  | 14869732 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. |  | Lender approved exception for not meeting 2 open and active tradelines rated for 24 months. | 30.66329% DTI on this bank statement documentation loan < 45% guideline max - 14.33671% below program guideline maximum.<br>XXX representative FICO score > 700 guideline minimum - XX points above guideline minimum. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2019-03-28): Client elects to waive.<br>Seller Comment (2019-03-26): please advise on status of XX review<br>Reviewer Comment (2019-03-14): Lender exception provided: Borrower only has 1 tradeline that meets the guidelines. He has other trades that have been opened for over 24 months but were recently closed. XXXX to review.<br>Seller Comment (2019-03-13): Please advise if you need something from XXXX - it is noted that you've entered the "Exception Information" that Lender approved exception. |  |  | XX/XX/XXXX 12:59:27 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 864104 |  | 14870035 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Assumption. | The note is assumable, however the CD indicates that it is not. Rate Lock Commitment in file reflects Lender does not allow for assumption. |  |  |  | Reviewer Comment (2019-07-01): Note allows for Assumption, however CD disclosed that Assumption is not allowed. A Corrected CD and LOE are required to cure.<br>Seller Comment (2019-06-28): Please see the highlighted part. |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes |
| XXXX | XXXX | 864104 |  | 14870051 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation updated to Non-QM. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM | Non QM | No |
| XXXX | XXXX | 452225 |  | 14869901 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Lender exception approved for discrepancy in reserves. | 24.58% DTI on this < 43% guideline max - 18% below program guideline maximum<br>Borrower has job stability for 5 years on current job.<br>55% LTV < 75% guideline max. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-06-14): Client elects to waive. Exception waiver provided. Compensating factors: Employment stability with 5 years as medical director; DTI of 24.58% is less that the program maximum on 43%; LTV of 55% is less than the program max of 75%. |  |  | XX/XX/XXXX 1:42:51 PM | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 395502 |  | 14870124 |  | 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 Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. | No additional cure required. |  |  |  |  |  | XX/XX/XXXX 10:52:18 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | 766569 |  | 14870604 |  | Credit | Guideline | Guideline Issue | Guideline | LTV/CLTV <= 5% |  | LTV does exceed 75% for New Construction Pud, but meets the exception policy based on compensating factors of no CE past 48 mos, DTI >=10% lower than loan program, high discretionary income = $3,000 and borrower contribution exceeds required amount. | 22.546% DTI < 43% guideline max<br>Residual income of $XXXX > $3,000 required.<br>No credit events for the past 48 mos |  | Originator<br>Originator<br>Originator | Reviewer Comment (2019-06-14): Client elects to waive, .Exception waiver approval provided. Compensating factors:Residual income of $XXX > $3,000 required; 22.546% DTI < 43% guideline max; No credit events for the past 48 mos.<br>Reviewer Comment (2019-06-14): Property is considered new construction. Per guidelines 9.1.2 newly constructed PUD properties are limited to max LTV of 75%. Lender Exception Approval form provided in file to allow LTV up to 80%.<br>Buyer Comment (2019-06-14): MAX LTV per GL 6.7 for this program is 85%,we have 80%ltv-we are good.thanks |  |  | XX/XX/XXXX 1:06:05 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 324160 |  | 14899706 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Final Closing Disclosure dated XX/XX/XXXX disclosed a Closing Date of XX/XX/XXXX. Deed of Trust was notarized on XX/XX/XXXX. Post-closing CD dated XX/XX/XXXX disclosed the correct closing date of XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | Yes |
| XXXX | XXXX | 324160 |  | 14899708 |  | 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 $625.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  |  |  | XX/XX/XXXX 6:09:49 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Higher Priced QM | Higher Priced QM | Yes |
| XXXX | XXXX | 324160 |  | 14899709 |  | 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 Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  |  |  |  | XX/XX/XXXX 6:09:49 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Higher Priced QM | Higher Priced QM | Yes |
| XXXX | XXXX | 324160 |  | 14899710 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 833223 |  | 14899695 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. | Extension for 2016 Filed. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 833223 |  | 14899696 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Borrower Closing Costs | TILA-RESPA Integrated Disclosure - Costs at Closing: Final Closing Disclosure provided on XX/XX/XXXX disclosed Total Closing Costs that does not match Total Closing Costs (Borrower-Paid) on page 2. (FinXX/XX/XXXX) | Section J. Total Closing Cost on page 2 reflect sum of $XXX. Calculating Cash to Close Final on page 3 reflect sum of $XXX. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | Yes |
| XXXX | XXXX | 833223 |  | 14899697 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Borrower Other Costs | TILA-RESPA Integrated Disclosure - Costs at Closing: Final Closing Disclosure provided on XX/XX/XXXX disclosed Other Costs that does not match Total Other Costs (Borrower-Paid) on page 2. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | Yes |
| XXXX | XXXX | 833223 |  | 14899698 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Summaries Of Transactions - Closing Costs Paid At Closing | TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Costs Paid at Closing that does not match the Total Closing Costs (Borrower-Paid) from page 2. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | Yes |
| XXXX | XXXX | 833223 |  | 14899699 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller Value - Total Closing Costs | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Final value of Total Closing Costs that does not match the Total Closing Costs (Borrower-Paid) from page 2. (FinXX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | Yes |
| XXXX | XXXX | 833223 |  | 14899700 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Total Closing Costs Exceeds Limits Amount | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (FinXX/XX/XXXX) | Tolerance cure amount of $77 is not disclosed on page 3, calculating cash to close summary. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | Yes |
| XXXX | XXXX | 833223 |  | 14899701 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for loan to close prior to issuance of the Eligibility Certificate. | Guideline variance approved by lender at time of origination. Below 43%.<br>Guideline variance approved by lender at time of origination at 55.786% |  |  | Reviewer Comment (2017-08-10): Client elects to waive. |  |  | XX/XX/XXXX 4:27:51 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 833223 |  | 14899702 |  | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Fees were not reflected in the correct section of the disclosure. |  | Title - Notary Fees was shown in Section B: Services Borrower Did Not Shop For, however, the borrower did not use a provider listed on the SPPL. This fee should have been in Section C: Services Borrower Did Shop For. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure B A | Higher Priced QM | Higher Priced QM | Yes |
| XXXX | XXXX | 582228 |  | 17850511 |  | 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 $1,035.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. | $35.00 cure provided at closing |  |  |  |  |  | XX/XX/XXXX 8:22:28 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | 925300 |  | 17850526 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decresed the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Guideline variance approved by lender at time of origination | Reserves 18.37 months<br>Payment shock dollar amount low $188.22 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2020-03-10): Client elects to waive the exception with verified compensating factors<br>Buyer Comment (2020-03-09): See Attached |  |  | XX/XX/XXXX 2:53:25 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 710950 |  | 17850574 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. | The Final CD did not disclose why the transaction did not have an escrow account setup as required. |  |  |  | Reviewer Comment (2020-03-19): XXXXXXXX received a corrected CD and LOE.<br>Buyer Comment (2020-03-18): PCCD ATTACHED W/FSS |  | XX/XX/XXXX 8:51:36 AM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 900573 |  | 17850586 |  | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. |  | Lender exception in file to use a private party VOR with some supporting documentation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<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 4 months of borrower's own assets<br>FICO XXX (XX points above the 680 FICO)<br>Residual income at least $3,000/mo | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2020-03-12): Client elects to waive the exception with verified compensation factors |  |  | XX/XX/XXXX 10:19:47 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 262452 |  | 17850654 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | Lender acknowledged exception. Exception granted for property being on the market less than 90 days from application. | Borrower has verified disposable income of at least $2500.00. | DTI below 43%, No Payment Shock (PITI) and Residual Income at least $9,000 a month | SitusAMC,Aggregator | Reviewer Comment (2020-03-18): Client elects to waive the exception with verified compensating factors |  |  | XX/XX/XXXX 5:40:26 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 262452 |  | 17850658 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.37190% or Final Disclosure APR of 6.42100% is in excess of allowable threshold of APOR 3.79% + 1.5%, or 5.29000%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2020-03-26): Client elects to waive |  |  | XX/XX/XXXX 1:10:36 PM | 1 A |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 262452 |  | 17850659 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | California Higher-Priced Loan: APR on subject loan of 6.37190% or Final Disclosure APR of 6.42100% is in excess of allowable threshold of APOR 3.79% + 1.5%, or 5.29000%. Compliant Higher Priced Loan. | Compliant HPML. |  |  |  | Reviewer Comment (2020-03-26): Client elects to waive |  |  | XX/XX/XXXX 1:10:51 PM | 1 A |  | XX | Primary | Refinance - Cash-out - Other | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows:<br>Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | No |
| XXXX | XXXX | 342384 |  | 17850699 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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. | Low LTV under 50%<br>Low DTI under 35%<br>Residual Income over $6,500/month | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2020-03-18): Client elects to waive the exception with verified compensation factors |  |  | XX/XX/XXXX 1:10:28 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 690628 |  | 17850728 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Loan amount of $XXX less than minimum of $150,000 per guides. Approved Lender Exception in file. | Borrower has verified disposable income of at least $2500.00. | Residual income over $3,000 a month and DTI under 43% | Aggregator,SitusAMC | Reviewer Comment (2020-03-20): Client elects to waive the exception with verified compensating factors |  |  | XX/XX/XXXX 10:31:29 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 273843 |  | 17850740 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. | The reason the escrow account was not established is missing on page 4 of the final CD. |  |  |  | Reviewer Comment (2020-03-25): Letter of Explanation & Corrected Closing Disclosure provided |  | XX/XX/XXXX 8:41:11 AM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 954833 |  | 17850793 |  | 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 Mortgage Broker Fee. Fee Amount of $XXX exceeds tolerance of $2,863.00. Insufficient or no cure was provided to the borrower. | Cure nor valid COC provided |  |  |  | Reviewer Comment (2020-05-06): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided<br>Buyer Comment (2020-05-05): Please find our Post Close CD along with copy of refund check for RESPA cure, LOE to borrower and the disclosure with proof of delivery of check via USPS.<br>Reviewer Comment (2020-04-24): XXXXXXXX received COC however it does not indicate why the fee increased, the changed circumstance. Please provide documentation if a changed circumstance occurred or please provide a corrected CD, LOE, refund check, and proof of mailing to cure.<br>Reviewer Comment (2020-04-17): XXXXXXXX received Changed Circumstance for increase in loan amount onXX/XX/XXXXD. The fee increased again on the final CD with no Changed Circumstance and insufficient cure in the file. A valid Changed Circumstance or cure is required.<br>Buyer Comment (2020-04-16): COC attached. Increase in fee due to an increase of loan amount |  | XX/XX/XXXX 8:09:24 AM |  | 2 B |  | XX | 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 | Yes |
| XXXX | XXXX | 954833 |  | 17850796 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's FICO score is above the minimum by 20 points or more.<br>Borrower's residual income increased by 10% or more. | Low DTI 28.68%<br>FICO score XXX (XX points over 680 FICO)<br>Residual income over $3000 per mon. | SitusAMC,Originator,Aggregator<br>Originator,SitusAMC,Aggregator<br>Originator,SitusAMC,Aggregator | Reviewer Comment (2020-04-01): Client elects to waive the exception with verified compensation factors<br>Buyer Comment (2020-03-31): See Attached<br>Reviewer Comment (2020-03-30): Comp factor 2 showing DTI less than 32% needs to be removed or corrected, actual is 32.04% |  |  | XX/XX/XXXX 9:42:56 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 954833 |  | 17850799 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $XXX exceeds tolerance of $2,863.00. Sufficient or excess cure was provided to the borrower. | Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided |  |  |  | Reviewer Comment (2020-05-06): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided |  | XX/XX/XXXX 8:10:58 AM |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 954833 |  | 17850800 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $200.25 exceeds tolerance of $195.23. Sufficient or excess cure was provided to the borrower. | Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided |  |  |  | Reviewer Comment (2020-05-06): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided |  | XX/XX/XXXX 8:10:32 AM |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 174223 |  | 17850853 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for 3 credit accounts open before issue of ITIN number and to accept private party VOR with supporting documentation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's residual income increased by 10% or more. | Residual income over $4,000 a month | SitusAMC<br>SitusAMC<br>Aggregator | Reviewer Comment (2020-03-31): Client elects to waive the exception with verified compensation factors |  |  | XX/XX/XXXX 8:04:22 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 371003 |  | 17850845 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception granted for 5 NSFs, with 4 of them in the last 3 months. Lender exception provided however, comp factor of reserves of 5 months of borrowers own assets is not valid; see comments on asset reserve exception. Provide revised Lender exception. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's housing payment has been reduced by 10% or more<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's residual income increased by 10% or more. | DTI low under 22%<br>No Payment shock<br>Residual income over $12,000.00 a mon. | Originator,Aggregator,SitusAMC<br>Originator,SitusAMC,Aggregator<br>SitusAMC<br>Originator,SitusAMC,Aggregator | Reviewer Comment (2020-04-01): Client elects to waive the exception with verified compensation factors<br>Buyer Comment (2020-03-31): See Attached |  |  | XX/XX/XXXX 10:37:24 AM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 371003 |  | 17850849 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Verified assets of $XXX - $XXX CTC results in $XXX for reserves. 2 months of reserves = $XXX. Note: 45% ownership so only 45% of business funds allowed to be used. R/T refi with payment reduced by more than 5% however, do not have required 12 month housing history to verify 1x30x12 or better to waive reserve requirement . Only 9 month mortgage history verified; missing prior rental history. | 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.<br>Borrower's residual income increased by 10% or more.<br>Borrower's housing payment has been reduced by 10% or more | DTI low under 22%<br>Residual income over $12,000.00 a mon.<br>No Payment shock | Originator,Aggregator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC,Aggregator<br>Originator,SitusAMC,Aggregator | Reviewer Comment (2020-04-01): Client elects to waive the exception with verified compensation factors<br>Buyer Comment (2020-03-31): See Attached |  |  | XX/XX/XXXX 10:43:36 AM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 884582 |  | 17850864 |  | 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 Transfer Tax. Fee Amount of $3,248.30 exceeds tolerance of $3,247.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2020-03-27): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 5:44:55 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | 777567 |  | 17850880 |  | 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 Mortgage Broker Fee. Fee Amount of $9,920.00 exceeds tolerance of $8,680.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2020-03-30): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 6:22:49 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | 673401 |  | 17971568 |  | 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. [Redacted] | Evidence of delivery was not located with-in the loan images. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 986740 |  | 17971550 |  | 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. [Redacted] | No evidence of delivery was provided. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 986740 |  | 17971551 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - Before Closing | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [redacted] disclosed Total Closing Costs (Paid by Seller Before Closing) that does not match sum of fees. [redacted] | Final Closing Disclosure provided on [redacted] disclosed Total Closing Costs (Paid by Seller Before Closing) that does not match sum of fees. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 986740 |  | 17971552 |  | 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 $600.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  | XX/XX/XXXX 3:11:08 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 986740 |  | 17971554 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender provided guideline exception for DTI exceeding 50% based on compensating factors. | Borrower on this Full income documentation loan has a disposable income of $XXXX. Exceeds minimum required of $3,200.<br>26 months reserves 3 months guideline minimum - borrowers have verified reserves of$XXXX<br>XXX representative FICO score > 580 guideline minimum - XX points above guideline minimum |  |  | Reviewer Comment (2017-09-26): Client elects to waive. |  |  | XX/XX/XXXX 4:10:59 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 986740 |  | 17971556 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [redacted] disclosed Total Closing Costs (Paid by Seller at Closing) that does not match sum of fees. [redacted] |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 697665 |  | 17971587 |  | 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. [Redacted] |  |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 697665 |  | 17971589 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [redacted] | No cure found related to the zero% tolerance issues. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 697665 |  | 17971594 |  | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Fees were not reflected in the correct section of the disclosure. |  | Title fees are shown in Section B: Services Borrower Did Not Shop For, however, the borrower did not use a provider listed on the SPPL. These fees should have been in Section C: Services Borrower Did Shop For. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | Good Faith Redisclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 697665 |  | 17971603 |  | 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: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Borrower on this full documentation loan has a disposable income of $XXXX.<br>XXX representative FICO score > 680 guideline minimum - XX points above guideline minimum<br>Borrowers made a down payment of$XXXX from their own funds on this purchase transaction. |  |  | Reviewer Comment (2017-10-26): Lender provided inspection after Hurricane but prior to FEMA Disaster date. Client elects to waive. |  |  | XX/XX/XXXX 10:06:57 AM | 2 B |  | XX | Second Home | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 599340 |  | 17971588 |  | 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. [Redacted] | No evidence of timely delivery was provided. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 836014 |  | 17971648 |  | 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. [Redacted] | No evidence of timely delivery was provided. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No |
| XXXX | XXXX | 836014 |  | 17971649 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender guideline exception for subject property minimum square footage requirement of 475 not met. Subject property square footage is XXX, Exception based on compensating factors. | XXX representative FICO score > 680 guideline minimum - XX points above guideline minimum<br>27.38 months reserves >3 months guideline minimum - borrowers haveverified reserves of $XXXX<br>25.98% DTI on this Full income documentation loan < 45% guideline max - 19.02% below program guideline maximum |  |  | Reviewer Comment (2017-10-09): Client elects to waive. |  |  | XX/XX/XXXX 12:45:35 PM | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No |
| XXXX | XXXX | 337147 |  | 17971667 |  | 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. [Redacted] | Missing evidence of delivery. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 337147 |  | 17971669 |  | 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 Transfer Tax. Fee Amount of $3,202.54 exceeds tolerance of $3,202.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Erroneous Reg ID 4747. The Transfer Tax fee was properly rounded on the LE's. |  |  |  |  |  | XX/XX/XXXX 2:58:47 PM |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 337147 |  | 17971670 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | 58.46 months reserves, 9 months required for start LTV before non-warrantable condo adjustments.<br>$XXXX residual income, $1,000 required.<br>60+ month 0x30 VOR, 12 month history of 0x30 required. |  |  | Reviewer Comment (2017-10-26): Lender provided inspection after Hurricane but prior to FEMA Disaster date. Client elects to waive. |  |  | XX/XX/XXXX 10:33:19 AM | 2 B |  | XX | Second Home | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 876839 |  | 17971757 |  | 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. [Redacted] | Evidence of delivery was not provided. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 876839 |  | 17971759 |  | 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 Transfer Tax. Fee Amount of $19.50 exceeds tolerance of $19.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  |  |  | XX/XX/XXXX 12:55:48 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 228589 |  | 17971785 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $92.00 exceeds tolerance of $83.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) |  |  |  |  |  |  | XX/XX/XXXX 8:43:23 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 228589 |  | 17971786 |  | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Fees were not reflected in the correct section of the disclosure. |  | All title company fees are listed as section C fees and the provider is identified on the SSPL. These title fees should be identified as section B fees. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | Good Faith Redisclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 334515 |  | 17971798 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Closing Costs Financed | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed Closing Costs Financed that does not match actual amount of closing costs financed. [Redacted] | Final CD provided on [Redacted] did not disclose the amount of closing costs financed in the Calculating Cash to Close table on page 3.. The calculated amount is $XXX. Provide a post-close CD correcting the amount of closing costs financed and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 258667 |  | 17971815 |  | 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. [Redacted] | Evidence of delivery was not provided. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 673545 |  | 17971886 |  | 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: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | Inspection report in file shows no damage to subject but is prior to disaster date. | 65% LTV < 75% guideline max - $XXXX more equity than required by program guidelines<br>79 months reserves > 6 months guideline minimum.<br>XXX representative FICO score > 660 guideline minimum - XX points above guideline minimum |  |  | Reviewer Comment (2017-10-26): Lender provided inspection after Hurricane but prior to FEMA Disaster date. Client elects to waive. |  |  | XX/XX/XXXX 10:22:16 AM | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 673545 |  | 17971887 |  | 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. [Redacted] | No evidence of delivery was provided. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 673545 |  | 17971888 |  | 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. [Redacted] | No evidence of delivery was provided. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 673545 |  | 17971892 |  | 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. [Redacted] | No evidence of delivery was provided. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 673545 |  | 17971893 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A second full appraisal was used to verify the subjects value instead of a field review that is required by guidelines. Lender approved this exception. | 65% LTV < 75% guideline max - $XXXX more equity than required by program guidelines<br>79 months reserves > 6 months guideline minimum.<br>XXX representative FICO score > 660 guideline minimum - XX points above guideline minimum |  |  | Reviewer Comment (2017-10-25): Client elects to waive. |  |  | XX/XX/XXXX 1:39:25 PM | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 673545 |  | 17971894 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI of 48.45% exceeds guideline maximum of 43.00% for Non-Warrantable Investment Condo purchases.Lender approved this exception to 49.540%. | 65% LTV < 75% guideline max - $XXXX more equity than required by program guidelines<br>79 months reserves > 6 months guideline minimum.<br>XXX representative FICO score > 660 guideline minimum - XX points above guideline minimum |  |  | Reviewer Comment (2017-10-25): Client elects to waive. |  |  | XX/XX/XXXX 1:37:45 PM | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 777400 |  | 17971846 |  | 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. [Redacted] | No evidence of timely delivery was provided. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 777400 |  | 17971848 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Lender provided guideline exception for minimum PITIA reserves of 6 months not met. Borrower has less than 2 months reserves. | 12.13% DTI on this full documentation loan < 50x% guideline max .<br>Borrower has job stability for XX years as a [redacted]<br>Borrower on this full income documentation loan has a disposable income of $XXXX. Exceeds minimum requirement of $1,200.00. |  |  | Reviewer Comment (2017-10-25): Client elects to waive. |  |  | XX/XX/XXXX 3:33:34 PM | 2 B |  | XX | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 760564 |  | 17971921 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Residual Income of $2,339.68 is less than $2,460.00 minimum required by guidelines. Lender approved this exception. | Borrower has employment stability for 18 years in the [redacted]<br>Borrowers made a down payment of $XXXX from their own funds on this purchase transaction.<br>LTV of 80% with a program maximum of 85%. |  |  | Reviewer Comment (2017-10-25): Client elects to waive. |  |  | XX/XX/XXXX 3:39:39 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 760564 |  | 17971922 |  | 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. [Redacted] | Missing evidence of delivery to borrowers. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 760564 |  | 17971923 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Evidence of being provided earlier is not in file. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 760564 |  | 17971924 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Home Loan Toolkit Timing | Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. | Evidence of being provided earlier is not in file. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 760564 |  | 17971926 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. | The initial LE dated [redacted] indicates the loan was locked. The file is missing this rate lock. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 894857 |  | 17971939 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Loan Estimate Esign Consent Agreement Timing | ESIGN Act - Loan Estimate provided on [redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [redacted] |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 177795 |  | 17971942 |  | 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. [Redacted] | Evidence of delivery was not located in the images. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 309703 |  | 17972019 |  | 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. [Redacted] | Evidence of delivery was not provided. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 967607 |  | 17972075 |  | 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. [Redacted] | Evidence of delivery was not found in the images. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | B A | Safe Harbor QM | Safe Harbor QM | No |
| XXXX | XXXX | 618196 |  | 17972083 |  | 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: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a current FEMA disaster area. | Borrower on this full documentation loan has a disposable income of $XXXX, required $4,700.00.<br>Current mortgage history 0x30x21 with no lates. |  |  | Reviewer Comment (2017-11-07): Lender provided inspection after Hurricane but prior to FEMA Disaster date. Client elects to waive. |  |  | XX/XX/XXXX 3:45:50 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 618196 |  | 17972092 |  | 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. [Redacted] |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 618196 |  | 17972096 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Lender approved exception to allow DTI of 50.71%. Guidelines Maximum of 50%. | Borrower on this full documentation loan has a disposable income of $XXXX, required $4,700.00.<br>Current mortgage history 0x30x21 with no lates. |  |  | Reviewer Comment (2017-11-07): Client elects to waive. |  |  | XX/XX/XXXX 3:49:59 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 774659 |  | 17972143 |  | 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. [Redacted] |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 174766 |  | 17972161 |  | 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. [Redacted] | Evidence of delivery was not located in the images. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 174766 |  | 17972162 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial Escrow Disclosure was not located in the images. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 174766 |  | 17972163 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [redacted] | Cure for 0% tolerance violation was not provided. |  |  |  | Reviewer Comment (2017-12-11): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. |  | XX/XX/XXXX 8:45:32 AM |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 174766 |  | 17972165 |  | 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 $4,824.81 exceeds tolerance of $4,500.91. Insufficient or no cure was provided to the borrower. (7200) | Fee disclosed as $4,500.91 on CD dated [redacted] but disclosed as $4824.81 on Final Closing Disclosure. COC in file for CD issued on [redacted] with estimated closing date of [redacted] This is outside of the allowed 7 days to allow for fee to re-baseline. |  |  |  | Reviewer Comment (2017-12-11): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. |  | XX/XX/XXXX 8:45:06 AM |  | 2 B |  | XX | Second Home | 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 |
| XXXX | XXXX | 189791 |  | 17972265 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Missing evidence of being provided earlier. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 189791 |  | 17972266 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [Redacted] | Final CD section F. Prepaids reflects Homeowner's Insurance Premium of 6 months. The annual premium amount is indicated. This should show 12 months. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 189791 |  | 17972267 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. | Cure for various 0% and 10% tolerance violations of $12,308.07 was not provided. |  |  |  | Reviewer Comment (2017-12-20): [Redacted] Lender provided LOE, proof of deliver, copy of refund check, and corrected CD. |  | XX/XX/XXXX 7:56:30 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 189791 |  | 17972270 |  | 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 $5,252.50 exceeds tolerance of $4,318.00 plus 10% or $4,749.80. Insufficient or no cure was provided to the borrower. (0) | $502.07 violation due to increase in the Title - Lender's Title Insurance fee from $3.853.00 (on all LE's) to $4,783.50 (on the interim and final CD) and the Recording Fee was disclosed as $140.00 on all LE's and $144.00 on the interim and final CD. There is no Changed Circumstance documentation for these. |  |  |  | Reviewer Comment (2017-12-20): [Redacted] Lender provided LOE, proof of deliver, copy of refund check, and corrected CD. |  | XX/XX/XXXX 7:55:55 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | 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 |
| XXXX | XXXX | 952795 |  | 17972342 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] | Insufficient cure found related to the zero% tolerance issues. |  |  |  | Reviewer Comment (2017-12-21): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. |  | XX/XX/XXXX 11:05:46 AM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 952795 |  | 17972343 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Loan Estimate Esign Consent Agreement Timing | ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] |  |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 952795 |  | 17972344 |  | 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 $11,602.50 exceeds tolerance of $10,263.75. Insufficient or no cure was provided to the borrower. (7200) | COC was provided showing a change date of [Redacted] and CD issued on [Redacted]. The estimated closing date is [Redacted] and outside the allowed 7 days to be able to re-baseline. |  |  |  | Reviewer Comment (2017-12-21): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD.<br>Reviewer Comment (2017-12-18): [Redacted] When testing the "CD within 7 days", logic will test that the CD Issue Date is >= ClosingDateLess6. Sundays are not included while Saturdays are always included. Rule of thumb, for consummation that takes place on say, Thursday, CD must be provided by Thursday of week prior. Any CD issued earlier will not have fees re-baselined due to not being within 7 days of consummation. Issue remains. |  | XX/XX/XXXX 11:05:29 AM |  | 2 B |  | XX | 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 |
| XXXX | XXXX | 952795 |  | 17972345 |  | 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | Cure for $152.00 was provided and is insufficient to cure the various 0% and 10% tolerance violations. |  |  |  | Reviewer Comment (2017-11-24): Lender provided $152.00 credit at closing for increase in Closing Costs above legal limit. |  | XX/XX/XXXX 12:14:05 PM |  | 2 B |  | XX | 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 |
| XXXX | XXXX | 952795 |  | 17972346 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $92.00 exceeds tolerance of $90.00. Insufficient or no cure was provided to the borrower. (7580) | Cure for $152.00 was provided and is insufficient to cure the various 0% and 10% tolerance violations. |  |  |  | Reviewer Comment (2017-11-24): Lender provided $152.00 credit at closing for increase in Closing Costs above legal limit. |  | XX/XX/XXXX 12:13:51 PM |  | 2 B |  | XX | 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 |
| XXXX | XXXX | 952795 |  | 17972347 |  | 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. [Redacted] | Evidence of delivery was not found in the images. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 952795 |  | 17972349 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for income calculation method 1120 cash flow analysis completed including W2 wages. | Guideline variance approved by lender at time of origination<br>42.72 months reserves > 6 months guideline minimum - borrowers haveverified reserves of $XXXX.<br>Borrower has job stability for 12 years as an [Redacted]. |  |  | Reviewer Comment (2017-11-24): Client elects to waive. |  |  | XX/XX/XXXX 12:22:28 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 906918 |  | 17972331 |  | 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 $600.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  |  |  | XX/XX/XXXX 8:15:45 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 906918 |  | 17972332 |  | 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. [Redacted] | Missing evidence of delivery to borrower. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 788867 |  | 17972353 |  | 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 $550.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower. (7506) | Fee disclosed as $500 on LE XX/XX/XXXXbut disclosed as $550.00 on Final Closing Disclosure. Cure of $71.33 was reflected, which is insufficient to cure various 0% and 10% tolerance violations. |  |  |  | Reviewer Comment (2017-11-24): Lender provided $71.33 credit at closing for increase in Closing Costs above legal limit. |  | XX/XX/XXXX 9:17:39 AM |  | 2 B |  | XX | 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 |
| XXXX | XXXX | 788867 |  | 17972355 |  | 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 $34.28 exceeds tolerance of $13.00. Insufficient or no cure was provided to the borrower. (7520) | Fee disclosed as $13 on LE XX/XX/XXXXbut disclosed as 34.28 on Final Closing Disclosure. Cure of $71.33 was reflected, which is insufficient to cure various 0% and 10% tolerance violations. |  |  |  | Reviewer Comment (2017-11-24): Lender provided $71.33 credit at closing for increase in Closing Costs above legal limit. |  | XX/XX/XXXX 9:13:13 AM |  | 2 B |  | XX | 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 |
| XXXX | XXXX | 788867 |  | 17972364 |  | 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. [Redacted] | Evidence of delivery to the borrower was not located in the images. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 788867 |  | 17972365 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. | Evidence of Consent was not located in the images |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 507668 |  | 17972398 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/317482) | Loan is locked as a 5/1 ARM, but the CD signed at closing does not reflect changes until year 7. 2 post close CD's are in file, review is unable to determine if cured. |  |  |  | Reviewer Comment (2017-11-28): Lender provided corrected CD. |  | XX/XX/XXXX 8:27:11 AM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 507668 |  | 17972399 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/317483) | Loan is locked as a 5/1 ARM, but the CD signed at closing does not reflect changes until year 7. 2 post close CD's are in file, review is unable to determine if cured. |  |  |  | Reviewer Comment (2017-11-28): Lender provided corrected CD. |  | XX/XX/XXXX 8:25:55 AM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 507668 |  | 17972401 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. [redacted] | The seller's Closing Disclosure is missing from the file. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 507668 |  | 17972402 |  | 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 $267.00 exceeds tolerance of $200.00 plus 10% or $220.00. Insufficient or no cure was provided to the borrower. (0) | Fee disclosed as $200.00 on all LE's, but disclosed as $267.00 on Final Closing Disclosure. Violation amount is $47.00. |  |  |  | Reviewer Comment (2017-11-27): This was cured at settlement. |  | XX/XX/XXXX 6:07:49 PM |  | 2 B |  | XX | 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 |
| XXXX | XXXX | 507668 |  | 17972404 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan allows for Assumption. [redacted] | The Note contains expanded assumption verbiage. There is nothing provided to the borrower that alters these assumption terms. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 507668 |  | 17972405 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Not Provided Timely | RESPA: Initial escrow account statement was not provided to the borrower at closing. | Note: the final CD had no impounds disclosed. This is corrected on all post closing CD's. The initial disclosure was delivered to borrower on [redacted] while the settlement date was [redacted] |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 507668 |  | 17972406 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [redacted] with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. [redacted] | There are post closing CD's that may cure this issue, however, review is unable to determine is this has been cured. |  |  |  | Reviewer Comment (2017-11-28): Lender provided corrected CD. |  | XX/XX/XXXX 8:27:52 AM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 507668 |  | 17972407 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/317484) | This is not resolved on the post closing CD's. |  |  |  | Reviewer Comment (2017-11-28): Lender provided corrected CD. |  | XX/XX/XXXX 8:23:25 AM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 507668 |  | 17972408 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Total Interest Percentage | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] | Disclosure reflects TIP of 118.59% but calculated TIP is 118.639%. |  |  |  | Reviewer Comment (2017-11-28): Lender provided corrected CD. |  | XX/XX/XXXX 8:22:17 AM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 507668 |  | 17972409 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total of Payments that does not match the actual total of payments for the loan. [Redacted] | Disclosure reflects TOP of $2,011,646.95 but calculated TOP of $2,012,091.26. Variance = $444.31. |  |  |  | Reviewer Comment (2017-11-27): This is cured on all post closing CD's. |  | XX/XX/XXXX 6:30:18 PM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| XXXX | XXXX | 400134 |  | 17972423 |  | 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: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | XXX FICO exceeds guidelines required of 620 by XXX points<br>Borrower on this full documentation loan has a disposable income of $XXXX, guidelines require $2910.00 |  |  | Reviewer Comment (2017-11-28): Lender provided inspection after Hurricane showing no damage to subject but prior to FEMA Disaster end date. Client elects to waive. |  |  | XX/XX/XXXX 10:11:20 AM | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 400134 |  | 17972424 |  | 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. [Redacted] |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 987077 |  | 17972441 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. |  |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 987077 |  | 17972442 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [redacted] | No cure found related to the zero% tolerance issue. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 987077 |  | 17972445 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow Homeowner Access program. Less than 2 years seasoning from event to application date. Loan will meet seasoning requirement at the time of note date. | 12.21 months reserves > 6 months guideline minimum - borrowers haveverified reserves of $XXXX.<br>Borrower on this full documentation loan has a disposable income of $XXXX. Guideline minimum of $7,750.00. |  |  | Reviewer Comment (2017-11-30): Client elects to waive. |  |  | XX/XX/XXXX 9:34:19 AM | 2 B |  | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 108371 |  | 17972452 |  | 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. [Redacted] | Missing evidence of delivery. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 240462 |  | 17972522 |  | 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. [Redacted] |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 240462 |  | 17972523 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Loan Estimate Esign Consent Agreement Timing | ESIGN Act - Loan Estimate provided on [redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [redacted] | E-Consent is for [redacted] only. Missing E-consent for all other borrowers. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | No Defined Cure B A | N/A | N/A | No |
| XXXX | XXXX | 836571 |  | 17972527 |  | 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. [Redacted] | Missing evidence valuations sent to Borrowers prior to closing. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 836571 |  | 17972529 |  | 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 $600.00 exceeds tolerance of $450.00. Insufficient or no cure was provided to the borrower. (7506) | Lender Appraisal Fee tolerance cure $150 provided on final executed CD. |  |  |  | Reviewer Comment (2017-12-07): Lender provided $150.00 credit at closing for increase in Closing Costs above legal limit. |  | XX/XX/XXXX 3:34:20 PM |  | 2 B |  | XX | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | No |
| XXXX | XXXX | 968891 |  | 17972536 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Summaries Of Transactions - Deposit | TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on [redacted] did not disclose the Deposit. [redacted] | This field requires a numeric entry.. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 968891 |  | 17972541 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Fee Terminology | TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on [redacted] did not use the same fee terminology as the Loan Estimate. [redacted] | The final LE shows Title - Settlement Fee, the final CD shows Title - Escrow Fee. Note: This is not cured on the post closing CD. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 198201 |  | 17972542 |  | 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: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | XXX representative FICO score > 620 guideline minimum - XXX points above guideline minimum |  |  | Reviewer Comment (2017-12-11): Lender provided inspection after Hurricane showing no damage to subject but prior to FEMA Disaster end date. Client elects to waive. |  |  | XX/XX/XXXX 9:26:43 AM | 2 B |  | XX | Investment | Purchase | B A | Higher Priced QM | N/A | No |
| XXXX | XXXX | 198201 |  | 17972543 |  | 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. [Redacted] | Evidence of delivery was not located in the images. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | Higher Priced QM | N/A | No |
| XXXX | XXXX | 198201 |  | 17972547 |  | 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Cure of $150.00 was provided and insufficient to cure the multiple 0% and 10% violations. |  |  |  | Reviewer Comment (2017-12-11): Lender provided $150.00 credit at closing for increase in Closing Costs above legal limit. |  | XX/XX/XXXX 9:15:33 AM |  | 2 B |  | XX | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM | N/A | No |
| XXXX | XXXX | 198201 |  | 17972549 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM | Qualified Mortgage (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Qualified Mortgage requirements. |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | Higher Priced QM | N/A | No |
| XXXX | XXXX | 219688 |  | 17972532 |  | 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. [Redacted] | Missing evidence of appraisal delivery. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 219688 |  | 17972533 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. | Missing evidence of date of consent. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | No Defined Cure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 219688 |  | 17972535 |  | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Fees were not reflected in the correct section of the disclosure. |  | SSPL identified vendor paid (Title) fees are listed in Section C on the final CD; issued after origination and should be identified in section B. |  |  |  |  |  |  |  | 2 B |  | XX | Second Home | Purchase | Good Faith Redisclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 629322 |  | 17972594 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The appraisal was originally done for another lender, which does not meet Safe Harbor requirements. Evidence of transfer from original lender is in the file. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 629322 |  | 17972595 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. | Evidence of borrower's consent to receive documents electronically is missing from the file. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 906347 |  | 17972635 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Lender Approved Single Loan Exception for DTI of 53.034%, which is in excess of guideline of 43%. | $XXXX residual income; $2,200 required.<br>51.6 months reserves, 30 months required.<br>0x30x40 across all mortgages, 12 month history is required. |  |  | Reviewer Comment (2017-12-18): Client elects to waive. |  |  | XX/XX/XXXX 7:56:38 AM | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 906347 |  | 17972636 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. | Missing evidence of the date of consent. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | No Defined Cure B A | N/A | N/A | No |
| XXXX | XXXX | 906347 |  | 17972638 |  | 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 $600.00 exceeds tolerance of $450.00. Insufficient or no cure was provided to the borrower. (7506) |  |  |  |  | Reviewer Comment (2017-12-15): This was cured at settlement. |  | XX/XX/XXXX 4:47:37 PM |  | 2 B |  | XX | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | No |
| XXXX | XXXX | 906347 |  | 17972641 |  | 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:PrimaXX/XX/XXXX) | Evidence of delivery was not provided. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 609368 |  | 17972645 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXX) | Final CD shows $459 in homeowner's insurance premium collected at closing, but indicates that this is for 12 months, when it is actually 11 months of premium. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | No |
| XXXX | XXXX | 609368 |  | 17972649 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. | Evidence of borrower's consent to receive documents electronically is missing from the file. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | No Defined Cure B A | N/A | N/A | No |
| XXXX | XXXX | 609368 |  | 17972650 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Lender Approved Exception in file. | 50% LTV < 70% guideline max - $XXX more equity than required by program guidelines<br>Borrower on this full documentation loan has a disposable income of $XXXX in excess of guideline minimum of $1,350. |  |  | Reviewer Comment (2017-12-28): Client Elects to waive. |  |  | XX/XX/XXXX 5:09:07 PM | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 893907 |  | 22194882 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $11,368.32 on Final Closing Disclosure provided on (Redacted) not accurate.(Redacted) | The final CD reflects the monthly homeowners insurance as $85.00; however, the insurance policy in the file annual amount is $1,193.70 or $99.48 monthly. |  |  |  | Reviewer Comment (2018-07-18): Rec'd LOE and corrected CD. |  | XX/XX/XXXX 3:33:37 PM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 893907 |  | 22194883 |  | 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 $650.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | The final CD reflects a lender credit of $125.00 for increased closing costs above the legal limit which sufficiently cures the zero tolerance increase in the Appraisal Fee from $525.00 to $650.00. |  |  |  |  |  | XX/XX/XXXX 12:39:31 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 893907 |  | 22194884 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on (Redacted) disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/486900) | The final CD reflects the monthly homeowners insurance as $85.00; however, the insurance policy in the file annual amount is $1,193.70 or $99.48 monthly. |  |  |  | Reviewer Comment (2018-07-18): Rec'd LOE and corrected CD. |  | XX/XX/XXXX 3:33:47 PM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| XXXX | XXXX | 893907 |  | 22194885 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on (Redacted) disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/486900) | The final CD reflects the monthly homeowners insurance as $85.00; however, the insurance policy in the file annual amount is $1,193.70 or $99.48 monthly. |  |  |  | Reviewer Comment (2018-07-18): Rec'd LOE and corrected CD. |  | XX/XX/XXXX 3:34:04 PM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| XXXX | XXXX | 893907 |  | 22194886 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on (Redacted) disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.(Redacted) | The final CD reflects the monthly homeowners insurance as $85.00 and the prepaid amount is $1,193.70 for 12 months or $99.48 per month. |  |  |  | Reviewer Comment (2018-07-18): Rec'd LOE and corrected CD. |  | XX/XX/XXXX 3:34:12 PM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 893907 |  | 22194892 |  | 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.(Redacted) | The seller's CD reflects $12,020.30 whereas the borrower's CD reflects 0. |  |  |  | Buyer Comment (2018-07-18): (Redacted) accepts |  |  | XX/XX/XXXX 3:53:39 PM | 1 A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 512443 |  | 22195011 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Verified reserves < xxxx month guideline minimum. No assets listed on Final 1003 and Cash-out on loan is not sufficient to cover reserves required. Bank statements in file do not meet xxxx day verification requirement. | xxxx representative FICO score >xxxx guideline minimum - xxxx points above guideline minimum<br>Borrower's overall monthly debt payment decreased by with this refinance |  |  | Reviewer Comment (2018-08-14): Loan Exception Approval received. Exception waived. |  |  | XX/XX/XXXX 11:35:34 AM | 2 B |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
| XXXX | XXXX | 531950 |  | 22195333 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees | TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/[Redacted]) | Seller's CD reported $[Redacted] in seller paid fees versus $[Redacted] reported on the Final CD. Section A and partial Section C fees were not disclosed on Seller CD. |  |  |  | Buyer Comment (2018-10-26): Per DH guidelines. |  |  | XX/XX/XXXX 8:10:48 AM | 1 A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| XXXX | XXXX | 430250 |  | 22197182 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | xx.xxx% DTI on this Business Bank Statement documentation loan < xx% guideline max<br>xxx representative FICO score > xxx guideline minimum - xxx points above guideline minimum<br>Borrower has employment stability for xx years as a xx% Owner |  | Aggregator<br>Aggregator<br>Aggregator | Reviewer Comment (2019-01-24): Lender exception approval provided in trailing docs.<br>Buyer Comment (2019-01-24): exception uploaded |  |  | XX/XX/XXXX 12:27:25 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 430250 |  | 22197183 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Dwelling coverage amount is $xxx,xxx. Replacement Cost is $xxx,xxx. Calculated coverage shortfall amount is $xx,xxx. | xx.xxx% DTI on this Business Bank Statement documentation loan < xx% guideline max<br>xxx representative FICO score > xxx guideline minimum - xxx points above guideline minimum<br>Borrower has employment stability for xx years as a xx% Owner |  | Aggregator<br>Aggregator<br>Aggregator | Reviewer Comment (2019-01-24): Lender exception approval provided in trailing docs.<br>Buyer Comment (2019-01-24): exception uploaded<br>Reviewer Comment (2019-01-18): Ax - Replacement Cost - Similar Construction is limited to $xxx,xxx.xx dwelling (Coverage A) indicated Limited Liability (Section x) of evidence of insurance. Policy does not explicitly state Guarantee xxx% Replacement Cost coverage or indicate extended dwelling coverage. $xxx,xxx.xx dwelling coverage < $xxx,xxx.xx (xx% of $xxx,xxx.xx value of improvements which is greater than $xxx,xxx.xx original loan amount).<br>Buyer Comment (2019-01-18):XX/XX/XXXX Policy shows "ax-replacement cost-similar construction which meets dh requirements. Please clear |  |  | XX/XX/XXXX 12:35:18 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 430250 |  | 22197188 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted. |  |  |  |  | Buyer Comment (2019-02-01): DH accepts<br>Reviewer Comment (2019-01-28): Exception is EVx informational for client to accept. |  |  | XX/XX/XXXX 1:48:05 PM | 1 A |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 430250 |  | 22197189 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Loan Type | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Type that does not match the actual loan type for the loan. (FinXX/XX/XXXX) | The Final CD shows the Loan Type to be Other. |  |  |  | Reviewer Comment (2019-02-04): (REDACTED) received LOE. Exception Cured.<br>Reviewer Comment (2019-01-28): Received corrected PCCD, missing LOE to borrower. |  | XX/XX/XXXX 11:36:47 AM |  | 1 A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 248266 |  | 22197687 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-x form was used, the H-x form should have been used. | Per title commitment the original lender on the Current mortgage being paid off is [Redacted] (which is the same lender on this transaction). This would mean this exception is valid and the wrong from was used. |  |  |  | Buyer Comment (2019-02-21): DH accepts<br>Reviewer Comment (2019-02-21): This is an EV as it is a loan within the Circuits where caselaw has been favorable |  |  | XX/XX/XXXX 9:13:10 AM | 2 B |  | XX | 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 B | Non QM | Non QM | Yes |
| XXXX | XXXX | 878360 |  | 22197765 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS x.x TRID Compliance Review Scope Version x.x (updated October xxxx). Anti-predatory lending points and fees testing are not impacted. |  |  |  |  | Buyer Comment (2019-02-25): DH accepts |  |  | XX/XX/XXXX 4:22:35 PM | 1 A |  | XX | Primary | Purchase | A | Non QM | Non QM | No |
| XXXX | XXXX | 381451 |  | 26442916 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.27750% or Final Disclosure APR of 7.32800% is in excess of allowable threshold of APOR 4.58% + 1.5%, or 6.08000%. Compliant Higher Priced Mortgage Loan. | Disclosure reflects APR as 7.328%; calculated is 7.2775%; threshold is 6.08%. |  |  |  | Reviewer Comment (2018-10-29): [Redacted] mortgage purchases HPML compliant loans |  |  | XX/XX/XXXX 5:26:50 PM | 1 A |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
| XXXX | XXXX | 381451 |  | 26442917 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | No evidence provided in file to determine what Broker Compensation was based upon. |  |  |  | Buyer Comment (2018-10-29): please waive |  |  | XX/XX/XXXX 6:11:12 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
| XXXX | XXXX | 381451 |  | 26442921 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | The Lender's Initial 1003 is missing from file, however, the Creditor Application Date was obtained from alternative documentation in file. |  |  |  | Buyer Comment (2018-10-29): please waive |  |  | XX/XX/XXXX 1:33:05 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
| XXXX | XXXX | 941147 |  | 26442926 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Lender exception provided for DTI exceeding program maximum. | Credit score is XXX, XX points > program requirement of 660.<br>Co-borrower is XXXXXX for the past 10 years.<br>Paying off a blanket mortgage for 3 properties that will result in an overall monthly reduction of approximately $4,000.<br>Two closed mortgages reporting paid as agreed. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-08): Client has elected to waive this exception based on compensating factors. |  |  | XX/XX/XXXX 9:47:07 AM | 2 B |  | XX | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| XXXX | XXXX | 941147 |  | 26442928 |  | 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. |  |  |  |  | Buyer Comment (2019-07-09): XXXXXX has elected to waive this exception. |  |  | XX/XX/XXXX 2:08:42 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| XXXX | XXXX | 941147 |  | 26442929 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Buyer Comment (2019-07-09): XXXXXX has elected to waive this exception. |  |  | XX/XX/XXXX 2:08:52 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| XXXX | XXXX | 941147 |  | 26442930 |  | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines |  | Borrower had a balloon mortgage that matured which was not refinanced timely and consequently borrower received a notice of default in February XX. Matured balloon was refinanced with bridge loan that has been paid as agreed. Subject loan is to refinance bridge loan into long term financing. | Credit score is XXX, XX points > program requirement of 660.<br>Co-borrower is XXXXXX for the past 10 years.<br>Paying off a blanket mortgage for 3 properties that will result in an overall monthly reduction of approximately $4,000.<br>Two closed mortgages reporting paid as agreed. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-08): Client has elected to waive this exception based on compensating factors. |  |  | XX/XX/XXXX 9:47:45 AM | 2 B |  | XX | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| XXXX | XXXX | 941147 |  | 26442931 |  | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. |  | Allow rental income per tax return Schedule E rather than leases. | Credit score is XXX, XX points > program requirement of 660.<br>Co-borrower is XXXXXX for the past 10 years.<br>Paying off a blanket mortgage for 3 properties that will result in an overall monthly reduction of approximately $4,000.<br>Two closed mortgages reporting paid as agreed. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-08): Client has elected to waive this exception based on compensating factors. |  |  | XX/XX/XXXX 9:48:00 AM | 2 B |  | XX | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| XXXX | XXXX | 374924 |  | 36115870 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  | No Good Faith Estimate could be located in the loan file. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 374924 |  | 36115871 |  | 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/[Redact]) | Verification of when Borrower received appraisal was missing from the loan file. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 374924 |  | 36115872 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | The Right to receive a copy of the Appraisal report is missing from the loan file. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 374924 |  | 36115873 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  | Guideline variance approved by lender at time of origination |  |  | Reviewer Comment (2018-06-29): Waived by client<br>Reviewer Comment (2018-06-29): adjust grade<br>Reviewer Comment (2018-06-28): Waived by client - [Redact] |  |  | XX/XX/XXXX 7:23:44 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 835258 |  | 36115876 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: [Redact] |  |  |  |  | Reviewer Comment (2018-07-24): Locked Rooms- although photos are required as noted above it should be noted that on occasion a room may be inaccessible. In this case a notation of the locked room is acceptable with review and approval from the UW and the appraisal can be accepted as is. If the locked area is deemed material the UW may condition for an additional inspection. Per underwriter response: Appraisal guidelines permit locked rooms and reviewed with Manager [Redact], concurs, so waived the 1004D. - Issue remains - no documentation to support |  |  |  | 3 C |  | XX | Investment | Refinance - Rate/Term | C B | N/A | Exempt from ATR | No |
| XXXX | XXXX | 835258 |  | 36115877 |  | 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/[Redact]) |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Refinance - Rate/Term | C B | N/A | Exempt from ATR | No |
| XXXX | XXXX | 835258 |  | 36115878 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Power of Attorney (POA) not provided |  | Closing documents were signed by attorney in fact [Redact] - copy of the power of attorney in file listing [Redact] as POA who is also the recipient of all proceeds in this transaction and is transferring 100% ownership to borrower which would cause a conflict in interest. | Guideline variance approved by lender at time of origination |  |  | Reviewer Comment (2018-06-28): Waived by client<br>Reviewer Comment (2018-06-28): adjust<br>Reviewer Comment (2018-06-28): Client waives exception |  |  | XX/XX/XXXX 10:18:28 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | C B | N/A | Exempt from ATR | No |
| XXXX | XXXX | 835258 |  | 36115879 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Refinance - Rate/Term | C B | N/A | Exempt from ATR | No |
| XXXX | XXXX | 835258 |  | 36115882 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  | Guideline variance approved by lender at time of origination |  |  | Reviewer Comment (2018-06-28): Waived by client<br>Reviewer Comment (2018-06-28): adjust<br>Reviewer Comment (2018-06-28): Waived by client - [Redact] |  |  | XX/XX/XXXX 10:16:09 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | C B | N/A | Exempt from ATR | No |
| XXXX | XXXX | 308858 |  | 36115891 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR |  | Lender Loan Designation is Non-QM |  |  |  | Reviewer Comment (2019-10-24): Updated from: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.<br>Reviewer Comment (2018-07-03): Asset Qualification loan |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | ATR Risk | No |
| XXXX | XXXX | 308858 |  | 36115896 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2018-06-28): Waived by client - [Redact] |  |  | XX/XX/XXXX 3:54:18 PM | 3 C |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | 308858 |  | 36115899 |  | Compliance | Compliance | Federal Compliance | ATR/QM | General Ability To Repay Provision Asset Consideration Loan | Ability to Repay (Dodd-Frank 2014): It is questionable whether this loan meets ATR requirements. | Loan approved using Debt to Asset Ratio per guidelines |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | 834044 |  | 36115904 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Loan amount on page 3 of the final HUD was not provided. |  | Final Hud form provided does not detail this information. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115905 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Loan term on page 3 of the final HUD was not provided. |  | Loan term on the Hud documentation provided is not stated. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115906 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided. |  | P&I on the Final Hud document provided was not stated. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115907 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided. |  | Final Hud1 model provided interest rate was not stated. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115908 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Can your interest rate rise question on page 3 of the final HUD was not provided. |  | Hud1 model provided can your interest rate rise question was not stated. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115909 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Can your loan balance rise question on page 3 of the final HUD was not provided. |  | Final Hud1 model provided can your loan balance rise question was not stated. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115910 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  | GFE is missing from the loan file. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115911 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Can your monthly payment amount owed rise question on page 3 of the final HUD was not provided. |  | Final Hud1 documentation provided does not have this question stated. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115912 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Prepayment penalty question on page 3 of the final HUD was not provided. |  | Final Hud1 documentation provided does not have this question stated. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115913 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Balloon term question on page 3 of the final HUD was not provided. |  | Final Hud1 documentation provided does not have this question stated. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115914 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Escrow question on page 3 of the final HUD was not provided. |  | Final Hud1 documentation provided does not have this question stated. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115915 |  | 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/[Redact]) |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115916 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115917 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 834044 |  | 36115918 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  | Guideline variance approved by lender at time of origination |  |  | Reviewer Comment (2018-06-30): Waived by client |  |  | XX/XX/XXXX 10:00:58 AM | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 639482 |  | 36115919 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | A Fraud Report is not located in file. | Guideline variance approved by lender at time of origination |  |  | Reviewer Comment (2018-06-30): Waived by client |  |  | XX/XX/XXXX 6:59:16 PM | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 639482 |  | 36115920 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  | A GFE was not used in this transaction. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 639482 |  | 36115922 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Maximum loan payment can ever rise to on page 3 of the final HUD was not provided. |  | The max rate during life of loan [Redact] |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 639482 |  | 36115923 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. | Rate Lock documents are not located in file. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 639482 |  | 36115924 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Document borrower received copy of appraisal within three days of closing. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 639482 |  | 36115925 |  | 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/[Redact]) | The receipt of the appraisal 3 business days prior to close is not located in file. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 639482 |  | 36115926 |  | 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. | The receipt of the appraisal 3 business days prior to close is not located in file. |  |  |  | Reviewer Comment (2019-10-28): Updated from: 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:Additional/[Redact]) |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 639482 |  | 36115927 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided. |  | This information on the HUD is blank and not completed. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 639482 |  | 36115928 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided. |  | This information on the HUD is blank and not completed. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 639482 |  | 36115929 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Can your interest rate rise question on page 3 of the final HUD was not provided. |  | This information on the HUD is blank and not completed. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 183767 |  | 36115932 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | A Fraud Report Is not located in file. | Guideline variance approved by lender at time of origination |  |  | Reviewer Comment (2018-06-30): Waived by client |  |  | XX/XX/XXXX 7:11:58 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 183767 |  | 36115934 |  | Credit | Missing Document | General | Missing Document | Missing Document: Rent Comparison Schedule not provided |  |  |  |  |  |  |  |  |  | 3 C |  | XX | Investment | Refinance - Cash-out - Other | C B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 183767 |  | 36115935 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/[Redact]) | Valuation reflects an effective date of [Redact] and was signed on [Redact] Valuation was provided to the borrower on [Redact] which is after the Effective Date of [Redact] |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 183767 |  | 36115936 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | A Right to Receive a copy is on page [Redact] however disclosure is not dated or signed. |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 125898 |  | 36115937 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  | Guideline variance approved by lender at time of origination |  |  | Reviewer Comment (2018-07-02): Waived by client |  |  | XX/XX/XXXX 9:42:26 AM | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 125898 |  | 36115938 |  | 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/[Redact]) |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 125898 |  | 36115939 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 125898 |  | 36115940 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 758954 |  | 36115947 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  | Guideline variance approved by lender at time of origination |  |  | Reviewer Comment (2018-07-02): Waived by client |  |  | XX/XX/XXXX 8:27:50 PM | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 758954 |  | 36115953 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 758954 |  | 36115955 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Escrow question on page 3 of the final HUD was not provided. |  | HUD form is incorrect that was used for transaction. Title company has marked the form as certified |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 758954 |  | 36115957 |  | 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/[Redact]) |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 758954 |  | 36115958 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | Unable to determine compliance with Right To Receive a Copy of Appraisal due to missing information |  |  |  |  |  |  |  |  | 2 B |  | XX | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| XXXX | XXXX | 684473 |  | 36115960 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redact] disclosed a Closing Date that did not match the actual date of consummation. | The final Closing Disclosure reflects a Closing Date of [Redact]), but the transaction consummation (mortgage notary) date was [Redact]). Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 365877 |  | 36115979 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redact] disclosed a Closing Date that did not match the actual date of consummation. | The closing date on the CD is [Redact] the CD was signed on [Redact] |  |  |  | Reviewer Comment (2019-06-26): Received PCCD dated [Redact] reflecting the correct disbursement date, however the closing date was changed to [Redact] when the correct closing date is [Redact]. In addition, a copy of the refund check to the borrower is required. |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 710943 |  | 36115984 |  | 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. | The date that the appraisal was provided to the borrower was not found in the file. |  |  |  | Reviewer Comment (2019-06-26): Received evidence of borrower's receipt of the original appraisal, however there is no evidence of borrower's receipt of the updated appraisal. |  |  |  | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 710943 |  | 36115986 |  | 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 Transfer Tax. Fee Amount of [Redact] exceeds tolerance of [Redact] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | XX/XX/XXXX 4:44:59 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 710943 |  | 36115987 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redact] disclosed a Closing Date that did not match the actual date of consummation. | The closing date on the Closing Disclosure was [Redact] The security instrument was notarized on [Redact] |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 112304 |  | 36115997 |  | Credit | Guideline | Guideline Issue | Guideline | Gift Funds not allowable per guidelines. |  | Guidelines state a maximum of 5 gift donors per transaction (pg [Redact]) and file has 9 gift donors with no evidence of approved exception. |  |  |  | Reviewer Comment (2019-06-27): Per guidelines provided for due diligence review, only 5 donors are allowed per transaction. Condition remains. |  |  |  | 3 C |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 427257 |  | 36116012 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redact] disclosed a Closing Date that did not match the actual date of consummation. | The final Closing Disclosure reflects a Closing Date of [Redact] but the transaction consummation mortgage notary date was [Redact]. Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 427257 |  | 36116013 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redact] disclosed a Finance Charge that does not match the actual finance charge for the loan. | Disclosure reflects Finance Charge of [Redact] but calculated Finance Charge of [Redact] Variance = [Redact] |  |  |  | Reviewer Comment (2019-06-27): Received Borrower's corrected CD, letter to borrower, copy of refund check and evidence of borrower's receipt. Condition cured. |  | XX/XX/XXXX 2:02:28 PM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 384499 |  | 36116017 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[Redact]) | Borrower's CD reflected [Redact] Owner's Title Insurance and [Redact] Survey fees paid by seller. All other fees were reflected on the seller's CD. |  |  |  | Buyer Comment (2018-05-02): Non-material: Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. |  |  | XX/XX/XXXX 9:39:18 AM | 1 A |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | UTD | Non QM | No |
| XXXX | XXXX | 384499 |  | 36116018 |  | 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 Collateral Desktop Analysis. Fee Amount of [Redact] exceeds tolerance of [Redact] Sufficient or excess cure was provided to the borrower at Closing. (75106) |  |  |  |  |  |  | XX/XX/XXXX 12:28:18 PM |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure B A | UTD | Non QM | No |
| XXXX | XXXX | 384499 |  | 36116019 |  | 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 Power Of Attorney Preparation Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. (7545) |  |  |  |  |  |  | XX/XX/XXXX 12:28:18 PM |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure B A | UTD | Non QM | No |
| XXXX | XXXX | 384499 |  | 36116020 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing borrower's ATR Cert. | DTI below max by 5% or greater. 22.67% vs 43.000%<br>FICO score above minimum by 20 points or greater. 738 vs 680<br>Time on Job of 5 years or greater: 15.19 years<br>PITIA reserves above minimum by 6 months or greater: 92.21 months vs 2 |  |  | Reviewer Comment (2018-05-01): Per [Redact] Matrix - QC Notes. |  |  | XX/XX/XXXX 10:24:32 AM | 2 B |  | XX | Second Home | Purchase | B A | UTD | Non QM | No |
| XXXX | XXXX | 384499 |  | 36116025 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Submission as Non-QM was provided. Based on adjusted lender's QM designation, the loan meets requirements. |  |  |  | Reviewer Comment (2018-05-07): Submission as Non-QM was provided. Based on adjusted lender's QM designation, the loan meets requirements. |  | XX/XX/XXXX 3:13:48 PM |  | 2 B |  | XX | Second Home | Purchase | B A | UTD | Non QM | No |
| XXXX | XXXX | 377774 |  | 36116031 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[Redact]) | Seller's CD reflects [Redact] title fees and [Redact] attorney fees which are not reflected on borrower's CD. |  |  |  | Buyer Comment (2018-05-08): Non-material: Seller paid fees on bwr's CD were the only seller paid fees on behalf of borrower. Additional Fees on the Seller CD were costs to the seller. Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. |  |  | XX/XX/XXXX 11:09:18 AM | 1 A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | No |
| XXXX | XXXX | 377774 |  | 36116032 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redact] or Final Disclosure APR of [Redact] is in excess of allowable threshold of APOR [Redact] + 2.5%, or [Redact]. Compliant Higher Priced Mortgage Loan. | . |  |  |  | Reviewer Comment (2018-05-10): Compliant Higher Priced Mortgage Loan. |  |  | XX/XX/XXXX 12:04:54 PM | 1 A |  | XX | Primary | Purchase | A | Non QM | Non QM | No |
| XXXX | XXXX | 323694 |  | 36116035 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redact] or Final Disclosure APR of [Redact] is in excess of allowable threshold of APOR [Redact] + 1.5%, or [Redact]. Compliant Higher Priced Mortgage Loan. | Compliant Higher Priced Mortgage Loan. - Final Disclosure APR of [Redact] is in excess of allowable threshold of APOR [Redact] + 1.5%, or [Redact]. |  |  |  | Reviewer Comment (2018-04-23): Compliant Higher Priced Mortgage Loan. |  |  | XX/XX/XXXX 12:19:13 PM | 1 A |  | XX | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | 323694 |  | 36116037 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Finance Charge of [Redact] disclosed on the Final Closing Disclosure dated [Redact] is under-disclosed by more than $35 compared to the Financed Charge calculated based on fees disclosed on the Post Closing Disclosure of [Redact] provided on [Redact]. (Post-Close/[Redact]) | Math Post Closing CD Finance Charge = [Redact]<br>Final Closing Disclosure Finance Charge = [Redact] + 35 |  |  |  | Reviewer Comment (2018-06-18): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of refund and shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br>Seller Comment (2018-06-14): payment history uploaded.<br>Reviewer Comment (2018-06-01): [Redact] PCCD, LOE, check and evidence of shipping were provided, a new ROR is still required to complete cure due to change in APR.<br>Seller Comment (2018-05-31): The refund was given as a lender credit in escrow that is reflected on the Final Closing statement. We did not issue a check.<br>Seller Comment (2018-05-23): PC CD was provided but no LOE, refund or evidence of shipping. Additionally, due to APR differences, new ROR is required to cure the exception.<br>Reviewer Comment (2018-05-08): PC CD was provided but no LOE, refund or evidence of shipping. Additionally, due to APR differences, new ROR is required to cure the exception.<br>Buyer Comment (2018-05-08): ([Redact])On our PC CD a refund of [Redact] was given. After checking the system and [Redact] it appears an additional [Redact] is required bringing our total refund to [Redact] (as shown on the updated CD).<br>Buyer Comment (2018-05-08): ([Redact])First off the amounts they are listing are incorrect. Our signed final CD has finance charge of [Redact] The PC CD has a finance charge of [Redact] . See [Redact] showing a pass for all TILA Test. The finance charge is not more than $100 below the actual finance charge. This condition is invalid.<br>Reviewer Comment (2018-04-25): On PC CD, escrow fee increased [Redact] and processing fee decreased [Redact] The addition of [Redact] in finance charges caused total finance charge increase to [Redact] which exceeded max from closing CD of [Redact] Refund of [Redact] is required along with PC CD, LOE, evidence of delivery to cure the exception. |  | XX/XX/XXXX 2:23:22 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Higher Priced QM | Non QM | No |
| XXXX | XXXX | 323694 |  | 36116038 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Total Of Payments Test Resindable Transactions | TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Total of Payments of [Redact] disclosed on the Final Closing Disclosure dated [Redact] is inaccurate by more than $35 compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of [Redact] provided on [Redact]. (Post-Close/[Redact]) | Final Closing Disclosure Total Of Payments = [Redact] <br>Math Post Closing CD Total Of Payments = [Redact] - 35.00 |  |  |  | Reviewer Comment (2018-06-18): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of refund and shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br>Seller Comment (2018-06-14): Reviewer Comment: LOE provided was not acceptable, LOE stated seller did not know what, however new ROR is required due to change in APR. Please provided a CORRECT PC CD with LOE, evidence of shipping and new ROR that matches the date issued of PC CD as well as a final settlement statement that also matches PC CD to verify refund was already made. New ROR must be expired by midnight of [Redact] as [Redact] is final day to cure.<br>Reviewer Comment (2018-06-12): LOE provided was not acceptable, LOE stated seller did not know wht, however new ROR is required due to change in APR. Please provided a CORRECT PC CD with LOE, evidence of shipping and new ROR that matches the date issued of PC CD as well as a final settlement statement that also matches PC CD to verify refund was already made. New ROR must be expired by midnight of [Redact] as [Redact] is final day to cure.<br>Buyer Comment (2018-06-12): ([Redact])Please see attached.<br>Buyer Comment (2018-06-11): ([Redact])Please see attached.<br>Reviewer Comment (2018-06-11): Looking for LOE from [Redact] ROR and [Redact] ROR still.<br>Buyer Comment (2018-06-08): ([Redact])Please see attached.<br>Seller Comment (2018-06-08): LOE insufficient - something that explains the new ROR please. Re-issuance of ROR does not clearly spell out that they have 3 new days.<br>Reviewer Comment (2018-06-08): Please provide PC CD with evidence of delivery, LOE to borrower and evidence of new ROR.<br>Buyer Comment (2018-06-07): ([Redact])Please see attached.<br>Seller Comment (2018-06-06): Please provide newly signed ROR.<br>Reviewer Comment (2018-06-01): [Redact] PCCD, LOE, check and evidence of shipping were provided, a new ROR is still required to complete cure due to change in APR.<br>Seller Comment (2018-05-31): Please provide proof of delivery and copy of check for [Redact] refund given on the [Redact] PCCD. Once testing complete and cure validated, reopening of ROR will be required.<br>Seller Comment (2018-05-23): PC CD was provided but no LOE, refund or evidence of shipping. Additionally, due to APR differences, new ROR is required to cure the exception.<br>Reviewer Comment (2018-05-08): PC CD was provided but no LOE, refund or evidence of shipping. Additionally, due to APR differences, new ROR is required to cure the exception.<br>Buyer Comment (2018-05-08): ([Redact])On our PC CD a refund of [Redact] was given. After checking the system and [Redact] it appears an additional [Redact] is required bringing our total refund to [Redact] (as shown on the updated CD).<br>Reviewer Comment (2018-04-25): On PC CD, escrow fee increased [Redact] and processing fee decreased [Redact] as well as [Redact] reconveyance fee was added. The addition of [Redact] in borrower paid fees caused total of payments increase to [Redact] which exceeded max from closing CD of [Redact] Refund of [Redact] is required along with PC CD, LOE, evidence of delivery to cure the exception. The [Redact] as higher than the finance charge difference but will also include the refund of the finance charges. |  | XX/XX/XXXX 2:23:02 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Higher Priced QM | Non QM | No |
| XXXX | XXXX | 323694 |  | 36116039 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Submission as Non-QM was provided. |  |  |  | Reviewer Comment (2018-05-07): Submission as Non-QM was provided. Based on adjusted lender's QM designation, the loan meets requirements. |  | XX/XX/XXXX 2:40:26 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116048 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redact] disclosed a Closing Date that did not match the actual date of consummation. (Final/[Redact]) | Final closing disclosure reflects closing date of [Redact] Security Instrument has a notary date of [Redact] |  |  |  | Reviewer Comment (2018-04-30): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower. This is the appropriate documentation required to cure the exception.<br>Seller Comment (2018-04-25): See signed PC CD |  | XX/XX/XXXX 10:57:59 AM |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116049 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redact] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/414273) | The [Redact] CD showed a hazard payment of [Redact] per month in G-01, however CD line F-01 and hazard insurance evidence both listed 12 month premium of [Redact] or [Redact] per month. New ROR is required along with PC CD, LOE and evidence of delivery, cure can not occur until after expiration of new rescission period. |  |  |  | Reviewer Comment (2018-06-12): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of CD shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br>Buyer Comment (2018-06-06): ([Redact])ROR<br>Seller Comment (2018-06-06): PC CD provided to cure exception had incorrect closing and funding dates.<br>Reviewer Comment (2018-06-05): PC CD provided to cure exception had incorrect closing and funding dates.<br>Reviewer Comment (2018-05-15): With regard to not re-opening rescission, the three-business-day rescission clock commences following the date of consummation, delivery of two notices of the right to rescind, or delivery of all the material disclosures, whichever occurs last. Material disclosures are defined in § 1026.23(a)(3)(ii) for closed-end credit.<br> § 1026.23(a)(3)(ii): For purposes of this paragraph (a)(3), the term "material disclosures" means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in §§ 1026.32(c) and (d) and 1026.43(g). <br> For Closing Disclosure purposes, the disclosed values in the Projected Payments table is considered the to be the payment schedule (defacto replacement to the payment stream for pre-TRID loans).<br>Seller Comment (2018-05-10): Please review response from [Redact] Manager [Redact].<br>I have reviewed the file, and noted the following.<br>The documentation of the HOI and the applicable fee details was included in the file as far back as [Redact], so that the information could have been updated to reflect the actual fee earlier in the process. Loan appears to have been re-disclosed 2-3times after HOI information was added to the E-Folder.<br>As for the question regarding the need to re-open rescission. It is my understanding that rescission would not be affected by a change in the fee associated with the HOI payment. While a Post Consummation CD should be prepared and provided to the borrower reflecting the corrected amount, and there will likely be some changes associated with the Escrow calculations, I do not see a need to re-open rescission for this issue.<br>Reviewer Comment (2018-05-10): Per escalated review..There is a tolerance already built into certain fields on the CD where deemed permissible. If an exception is still being cited, it is because the disclosed amount is still outside this tolerance amount. With the re-disclosure of the PC-CD with new material terms (which includes the Projected Payments table on page 1 and Loan Calculations table on page 5), a new ROR will be required.<br> \*\*\*\*\*\*<br> There are several items deemed to be material disclosures as referenced under 1026.23(a)(3). The Rescission period on a loan starts when the latest of three things occurs, (1) the execution of the notice of right to cancel; (2) the consummation of the loan; and (3) the receipt by the consumer of the accurate material disclosures. The material disclosures include the following:<br> • APR <br> • Finance Charge <br> • Amount Financed <br> • Total of Payments <br> • Payment schedule (There are additional ones including disclosure for HOEPA and Prepays, but outside the CD.)<br> 1026.23(a)(3):<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph (b) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumer's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125(f) of the Act. <br> (ii) For purposes of this paragraph (a)(3), the term "material disclosures" means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in §§ 1026.32(c) and (d) and 1026.43(g).<br>Buyer Comment (2018-05-08): ([Redact])Please review response from [Redact] Manager [Redact].<br> I have reviewed the file, and noted the following.<br> The documentation of the HOI and the applicable fee details was included in the file as far back as [Redact], so that the information could have been updated to reflect the actual fee earlier in the process. Loan appears to have been re-disclosed 2-3times after HOI information was added to the E-Folder.<br>As for the question regarding the need to re-open rescission. It is my understanding that rescission would not be affected by a change in the fee associated with the HOI payment. While a Post Consummation CD should be prepared and provided to the borrower reflecting the corrected amount, and there will likely be some changes associated with the Escrow calculations, I do not see a need to re-open rescission for this issue.<br>Seller Comment (2018-05-08): Please review response from [Redact] Manager [Redact].<br>I have reviewed the file, and noted the following.<br>The documentation of the HOI and the applicable fee details was included in the file as far back as [Redact], so that the information could have been updated to reflect the actual fee earlier in the process. Loan appears to have been re-disclosed 2-3times after HOI information was added to the E-Folder.<br>As for the question regarding the need to re-open rescission. It is my understanding that rescission would not be affected by a change in the fee associated with the HOI payment. While a Post Consummation CD should be prepared and provided to the borrower reflecting the corrected amount, and there will likely be some changes associated with the Escrow calculations, I do not see a need to re-open rescission for this issue.<br>Reviewer Comment (2018-05-03): Issue was not corrected on [Redact] PC CD, it was corrected on [Redact] PC CD. Due to change in monthly payment, new ROR is required.<br>Seller Comment (2018-05-03): Please note that a new ROR is not required. A PC CD was previously uploaded with an issue date of [Redact] which was signed by the borrower.<br>Reviewer Comment (2018-05-01): Seller comment indicates PC CD issued [Redact] cured exception and notes that a new ROR is not required. However, this issue was not corrected on [Redact] PC CD. Issue was corrected on [Redact] PC CD, the monthly escrow payment increased from [Redact] to [Redact] total payment increased from [Redact] to [Redact] Due to payment increase, new ROR is required for refinance. Exception remains.<br>Seller Comment (2018-05-01): Please note that a new ROR is not required. A PC CD was previously uploaded with an issue date of 4/17 which was signed by the borrower.<br>Reviewer Comment (2018-04-30): PC CD and LOE were provided but no evidence of refund or new ROR. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable. Cure can not be complete until end of ROR expiration period.<br>Seller Comment (2018-04-27): PC CD, LOE, ROR and delivery to borrower required |  | XX/XX/XXXX 11:37:30 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116050 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redact] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/414273) | The [Redact] CD showed a hazard payment of [Redact] per month in G-01, however CD line F-01 and hazard insurance evidence both listed 12 month premium of [Redact] or [Redact] per month. New ROR is required along with PC CD, LOE and evidence of delivery, cure can not occur until after expiration of new rescission period. |  |  |  | Reviewer Comment (2018-06-12): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of CD shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br>Reviewer Comment (2018-06-11): ROR expires [Redact](today) at midnight, exceptions will be cured tomorrow.<br>Seller Comment (2018-06-06): See upload for Exception ID 6256080<br>Reviewer Comment (2018-06-05): PC CD provided to cure exception had incorrect closing and funding dates.<br>Reviewer Comment (2018-05-15): With regard to not re-opening rescission, the three-business-day rescission clock commences following the date of consummation, delivery of two notices of the right to rescind, or delivery of all the material disclosures, whichever occurs last. Material disclosures are defined in § 1026.23(a)(3)(ii) for closed-end credit.<br> § 1026.23(a)(3)(ii): For purposes of this paragraph (a)(3), the term "material disclosures" means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in §§ 1026.32(c) and (d) and 1026.43(g). <br> For Closing Disclosure purposes, the disclosed values in the Projected Payments table is considered the to be the payment schedule (defacto replacement to the payment stream for pre-TRID loans).<br>Seller Comment (2018-05-10): Please review response from [Redact] Manager [Redact].<br>I have reviewed the file, and noted the following.<br>The documentation of the HOI and the applicable fee details was included in the file as far back as [Redact], so that the information could have been updated to reflect the actual fee earlier in the process. Loan appears to have been re-disclosed 2-3times after HOI information was added to the E-Folder.<br>As for the question regarding the need to re-open rescission. It is my understanding that rescission would not be affected by a change in the fee associated with the HOI payment. While a Post Consummation CD should be prepared and provided to the borrower reflecting the corrected amount, and there will likely be some changes associated with the Escrow calculations, I do not see a need to re-open rescission for this issue.<br>Reviewer Comment (2018-05-10): Per escalated review..There is a tolerance already built into certain fields on the CD where deemed permissible. If an exception is still being cited, it is because the disclosed amount is still outside this tolerance amount. With the re-disclosure of the PC-CD with new material terms (which includes the Projected Payments table on page 1 and Loan Calculations table on page 5), a new ROR will be required.<br> \*\*\*\*\*\*<br> There are several items deemed to be material disclosures as referenced under 1026.23(a)(3). The Rescission period on a loan starts when the latest of three things occurs, (1) the execution of the notice of right to cancel; (2) the consummation of the loan; and (3) the receipt by the consumer of the accurate material disclosures. The material disclosures include the following:<br> • APR <br> • Finance Charge <br> • Amount Financed <br> • Total of Payments <br> • Payment schedule (There are additional ones including disclosure for HOEPA and Prepays, but outside the CD.)<br> 1026.23(a)(3):<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph (b) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumer's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125(f) of the Act. <br> (ii) For purposes of this paragraph (a)(3), the term "material disclosures" means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in §§ 1026.32(c) and (d) and 1026.43(g).<br>Buyer Comment (2018-05-08): ([Redact])Please review response from [Redact] Manager [Redact].<br> I have reviewed the file, and noted the following.<br> The documentation of the HOI and the applicable fee details was included in the file as far back as [Redact], so that the information could have been updated to reflect the actual fee earlier in the process. Loan appears to have been re-disclosed 2-3times after HOI information was added to the E-Folder.<br>As for the question regarding the need to re-open rescission. It is my understanding that rescission would not be affected by a change in the fee associated with the HOI payment. While a Post Consummation CD should be prepared and provided to the borrower reflecting the corrected amount, and there will likely be some changes associated with the Escrow calculations, I do not see a need to re-open rescission for this issue.<br>Seller Comment (2018-05-08): Please review response from [Redact] Manager [Redact].<br>I have reviewed the file, and noted the following.<br>The documentation of the HOI and the applicable fee details was included in the file as far back as [Redact], so that the information could have been updated to reflect the actual fee earlier in the process. Loan appears to have been re-disclosed 2-3times after HOI information was added to the E-Folder.<br>As for the question regarding the need to re-open rescission. It is my understanding that rescission would not be affected by a change in the fee associated with the HOI payment. While a Post Consummation CD should be prepared and provided to the borrower reflecting the corrected amount, and there will likely be some changes associated with the Escrow calculations, I do not see a need to re-open rescission for this issue.<br>Reviewer Comment (2018-05-03): this exception was not corrected on [Redact] PC CD which still showed G-01 as [Redact] it was corrected on [Redact] PC CD. Regardless of which PC CD it was corrected on, new ROR has to accompany the [Redact] CD since there is a change in payment stream.<br>Seller Comment (2018-05-03): Please note that a new ROR is not required as the borrower signed a PC CD with an issue date of [Redact] closing date of [Redact] and disbursement date of [Redact]<br>Reviewer Comment (2018-05-01): Seller comment indicates PC CD issued [Redact] cured exception and notes that a new ROR is not required. However, this issue was not corrected on [Redact] PC CD. Issue was corrected on [Redact] PC CD, the monthly escrow payment increased from [Redact] to [Redact] total payment increased from [Redact] to [Redact] Due to payment increase, new ROR is required for refinance. Exception remains.<br>Seller Comment (2018-05-01): Please note that a new ROR is not required as the borrower signed a PC CD with an issue date of [Redact] closing date of [Redact] and disbursement date of [Redact]<br>Reviewer Comment (2018-04-30): PC CD and LOE were provided but no evidence of refund or new ROR. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable. Cure can not be complete until end of ROR expiration period.<br>Seller Comment (2018-04-27): Please see PC CD uploaded for Exception ID 6256080 |  | XX/XX/XXXX 11:37:45 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116051 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redact] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/[Redact]) | The hazard policy in the file shows the premium to be $1819 per year. |  |  |  | Reviewer Comment (2018-04-30): PC CD and LOE were provided.<br>Seller Comment (2018-04-27): Please see PC CD uploaded under Exception 6256080 |  | XX/XX/XXXX 11:01:20 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116052 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redact] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redact]) | Most current disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing. |  |  |  | Reviewer Comment (2018-05-16): Cured on [Redact] PCCD. |  | XX/XX/XXXX 11:02:55 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116053 |  | 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 [Redact] exceeds tolerance of [Redact] Insufficient or no cure was provided to the borrower. (7520) | Most current disclosure reflects an increase in the 10% tolerance fees, total expense is [Redact] for credit report fee, exceeds tolerance limit of [Redact] by [Redact] no cure provided at closing. |  |  |  | Reviewer Comment (2018-05-15): Evidence of refund was provided to accompany other cure docs.<br>Buyer Comment (2018-05-10): ([Redact])please see cost to cure check<br>Reviewer Comment (2018-05-10): PC CD was provided showing [Redact] as required, however no evidence of the refund was provided.<br>Seller Comment (2018-05-09): PC CD and LOE were provided but no evidence of refund.<br>Reviewer Comment (2018-04-30): PC CD and LOE were provided but no evidence of refund. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD.<br>Seller Comment (2018-04-27): Please see PC CD uploaded under Exception ID 6256080 |  | XX/XX/XXXX 9:10:17 AM |  | 2 B |  | XX | 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 | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116054 |  | 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 [Redact], prior to three (3) business days from transaction date of [Redact]. | Closing disclosure issued [Redact] showed a disbursement date of [Redact]. Actual consummation was [Redact] |  |  |  | Reviewer Comment (2018-05-03): PC CDs both verify closing was [Redact] and funding was [Redact], agree no new ROR needed for this exception.<br>Seller Comment (2018-05-03): Please see previously uploaded PC CD with an issue date of [Redact] closing date of [Redact] and disbursement date of [Redact] signed by the borrower at closing.<br>Reviewer Comment (2018-05-01): Prescribed cure includes the following... TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. Exception remains.<br>Seller Comment (2018-05-01): Please see previously uploaded PC CD with an issue date of [Redact] closing date of [Redact] and disbursement date of [Redact] signed by the borrower at closing.<br>Reviewer Comment (2018-04-30): PC CD and LOE were provided but no evidence of new ROR. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable. Cure can not be complete until end of ROR expiration period.<br>Seller Comment (2018-04-25): Please see PC CD submitted for Exception ID 6256079 |  | XX/XX/XXXX 10:32:26 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116055 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Net P&L income of [Redact] is not within 10% tolerance of the Personal 12 month bank statement average of [Redact]<br> Lenders worksheet reflects deposit error on [Redact] reflecting gross deposits of [Redact] when actual deposits for the month was only [Redact] | FICO score above minimum by 20 points or greater at XXX. Min requirement is 620.<br>Time on Job of 5 years or greater. Borrower self employed business owner for 6 years in the XXXX.<br>PITIA reserves above minimum by 6 months or greater. 18.83 vs 9 months |  |  | Reviewer Comment (2018-05-10): Client elected to waive the exception with verified compensating factors.<br>Buyer Comment (2018-05-09): ([Redact])Net P&L differs by is [Redact] [Redact] elects to waive using compensating factors:<br> FICO score above minimum by 20 points or greater at 650. Min requirement is 620.<br> Time on Job of 5 years or greater. Borrower self employed business owner for 6 years in the XXXX.<br> PITIA reserves above minimum by 6 months or greater. 18.83 vs 9 months |  |  | XX/XX/XXXX 10:29:26 AM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116056 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 12 month housing verification not met. Borrower purchased subject property [Redact] Verification of rent for the two months prior to purchase was not provided. | FICO score above minimum by XX points or greater at XXX. Min requirement is 620.<br>Time on Job of 5 years or greater. Borrower self employed business owner for 6 years in the XXXX.<br>PITIA reserves above minimum by 6 months or greater. 18.83 vs 9 months |  |  | Reviewer Comment (2018-05-04): Client elected to waive the exception with verified compensating factors per email provided. |  |  | XX/XX/XXXX 9:36:57 AM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116057 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: [Redact] ___ | [Redact] Guidelines for[Redact] require the two most recent months must be pulled by the originator directly from the financial institution, certified true by a bank officer, validated by a written VOD, or confirmed by a third part direct pull service. | FICO score above minimum by XX points or greater at XXX. Min requirement is 620.<br>Time on Job of 5 years or greater. Borrower self employed business owner for 6 years in the XXXX.<br>PITIA reserves above minimum by 6 months or greater. 18.83 vs 9 months |  |  | Reviewer Comment (2018-05-10): Client elected to waive the exception with verified compensating factors.<br>Buyer Comment (2018-05-09): ([Redact])[Redact] elects to waive with compensating factors:<br> FICO score above minimum by 20 points or greater at 650. Min requirement is 620.<br> Time on Job of 5 years or greater. Borrower self employed business owner for 6 years in the XXXX.<br> PITIA reserves above minimum by 6 months or greater. 18.83 vs 9 months |  |  | XX/XX/XXXX 10:30:10 AM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116058 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redact] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/435200) | Added [Redact] upon receipt of [Redact] closing CD. The [Redact] CD showed a hazard payment of [Redact] per month in G-01, however CD line F-01 and hazard insurance evidence both listed 12 month premium of [Redact] or [Redact] per month. New ROR is required along with PC CD, LOE and evidence of delivery, cure can not occur until after expiration of new rescission period. |  |  |  | Reviewer Comment (2018-06-12): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of CD shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br>Seller Comment (2018-06-06): See upload for Exception ID 6256080<br>Reviewer Comment (2018-06-05): PC CD provided to cure exception had incorrect closing and funding dates. |  | XX/XX/XXXX 11:37:56 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116059 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redact] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/435200) | Added [Redact] upon receipt of [Redact] closing CD. The [Redact] CD showed a hazard payment of [Redact] per month in G-01, however CD line F-01 and hazard insurance evidence both listed 12 month premium of [Redact] or [Redact] per month. New ROR is required along with PC CD, LOE and evidence of delivery, cure can not occur until after expiration of new rescission period. |  |  |  | Reviewer Comment (2018-06-12): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of CD shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br>Reviewer Comment (2018-06-05): PC CD provided to cure exception had incorrect closing and funding dates. |  | XX/XX/XXXX 11:38:09 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116060 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redact] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/[Redact]) | Added [Redact] upon receipt of [Redact] closing CD. The [Redact] CD showed a hazard payment of [Redact] per month in G-01, however CD line F-01 and hazard insurance evidence both listed 12 month premium of [Redact] or [Redact] per month. New ROR is required along with PC CD, LOE and evidence of delivery, cure can not occur until after expiration of new rescission period. |  |  |  | Reviewer Comment (2018-06-12): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of CD shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception.<br>Reviewer Comment (2018-06-05): PC CD provided to cure exception had incorrect closing and funding dates. |  | XX/XX/XXXX 11:38:22 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116061 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redact] disclosed a Closing Date that did not match the actual date of consummation. (Final/[Redact]) | Added [Redact] CD closing date is [Redact] closing date is [Redact] |  |  |  | Reviewer Comment (2018-06-12): PC CD was provided correcting the issue. The PC CD was accompanied by a letter of explanation to the borrower, as well as evidence of CD shipping. Additionally, rescission was re-opened and subsequently has expired. This is the appropriate documentation required to cure the exception. |  | XX/XX/XXXX 11:38:35 AM |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 891314 |  | 36116062 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redact] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redact]) | Added [Redact] |  |  |  | Reviewer Comment (2018-05-16): [Redact] PC CD included cure. |  | XX/XX/XXXX 11:02:17 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 237131 |  | 36116065 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [Redact] on Final Closing Disclosure provided on [Redact] not accurate. (Final/[Redact]) | Final CD did not included non-escrowed HO6 policy in non-escrowed costs. |  |  |  | Reviewer Comment (2018-06-26): Post Close CD reflected 12 months of insurance and 11 months of HOA as the non-escrowed amount to be paid int eh first year. Condition Cured,<br>Reviewer Comment (2018-06-22): Seller provided PC CD reflecting non escrowed fees of [Redact] Math calculations of [Redact] insurance + [Redact] HOA = [Redact] [Redact] / [Redact] = 11.1046 months. [Redact] x 11 = [Redact]<br>Seller Comment (2018-06-22): Condition upheld - HO6 policy needs to be included in the Non-escrowed costs.<br>Reviewer Comment (2018-06-12): Please refer to borrower CD not seller CD.<br>Buyer Comment (2018-06-12): ([Redact])Line F01 does not show any prepaids.<br>Reviewer Comment (2018-06-11): Line f-01 contained evidence of insurance premium paid on subject property, subsequently it is non-escrowed property cost.<br>Buyer Comment (2018-06-11): ([Redact])Seller response: I reached out to our closing manager on this file and she stated that the HO6 policy is not a requirement on this loan, they just paid it through closing so it is not considered a non-escrowed expense for this transaction. |  | XX/XX/XXXX 3:06:43 PM |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 237131 |  | 36116066 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redact] disclosed a Closing Date that did not match the actual date of consummation. (Final/[Redact]) | Post closing CD provided curing however letter of explanation not provided. |  |  |  | Reviewer Comment (2018-06-25): A letter of explanation to the borrower that accompanied a previously supplied PC CD was provided. This is the appropriate documentation required to cure the exception.<br>Seller Comment (2018-06-22): The disclosure tracking and LOE is for the corrected CD sent on [Redact] for the correction to the non escrowed property costs over 1 year |  | XX/XX/XXXX 10:15:42 AM |  | 1 A |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 237131 |  | 36116067 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redact] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redact]) | No cure was provided. |  |  |  | Reviewer Comment (2018-06-22): Seller provided copy of corrected CD along with previously provided documents of LOE, refund check and proof of delivery.<br>Seller Comment (2018-06-22): Condition will be cured when tolerance exceptions are satisfied.<br>Reviewer Comment (2018-06-20): Seller provided copy of [Redact] refund check, proof of delivery and letter of explanation. However, no evidence of required corrected CD. Issue remains open. |  | XX/XX/XXXX 5:54:41 PM |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 237131 |  | 36116068 |  | 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/[Redact]) | Variances due to Seller paid fees for Utilities. Final Consumer CD reflects [Redact] in Utility fees in Section B. The Sellers CD does not.<br> The Sellers CD reflects Fees for Utilities of [Redact] for City Utilities to the City of [Redact] and [Redact] for City Water Usage not reflected on the Final CD. |  |  |  | Buyer Comment (2018-06-11): Non-material: Seller paid fees on bwr's CD were the only seller paid fees on behalf of borrower. Additional Fees on the Seller CD were costs to the seller. Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid.<br>Reviewer Comment (2018-06-05): Please provide PC CD with matching seller fees to cure exception, seller CD and settlement statement were provided.<br>Seller Comment (2018-06-04): This is the final CD and the sellers CD to match |  |  | XX/XX/XXXX 9:34:35 AM | 1 A |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 237131 |  | 36116069 |  | 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 HOA/Condo Questionnaire. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. (75215) | No cure provided. |  |  |  | Reviewer Comment (2018-06-22): Seller provided copy of corrected CD along with previously provided documents of LOE, refund check and proof of delivery.<br>Seller Comment (2018-06-22): Reviewer Comment: Seller provided copy of [Redact] refund check, proof of delivery and letter of explanation. However, no evidence of required corrected CD. Issue remains open.<br>Reviewer Comment (2018-06-20): Seller provided copy of [Redact] refund check, proof of delivery and letter of explanation. However, no evidence of required corrected CD. Issue remains open. |  | XX/XX/XXXX 5:53:39 PM |  | 2 B |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 237131 |  | 36116070 |  | 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 HOA Master policy. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. (75142) | No cure provided. |  |  |  | Reviewer Comment (2018-06-22): Seller provided copy of corrected CD along with previously provided documents of LOE, refund check and proof of delivery.<br>Seller Comment (2018-06-22): The cost to cure was provided on the CD dated [Redact]<br>Reviewer Comment (2018-06-20): Seller provided copy of [Redact] refund check, proof of delivery and letter of explanation. However, no evidence of required corrected CD. Issue remains open. |  | XX/XX/XXXX 5:53:56 PM |  | 2 B |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 237131 |  | 36116071 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Twelve months bank debits or canceled checks to support rent payments of [Redact] not provided. VOR in file reflects the amount of rent at [Redact] since [Redact] and [Redact] a month rent from [Redact] -[Redact] | FICO score above minimum by XX points or greater. XXX vs 600<br>PITIA reserves above minimum by 6 months or greater. 39 > 12 |  |  | Reviewer Comment (2018-06-04): Client elected to waive the exception with verified compensating factors.<br>Buyer Comment (2018-06-01): ([Redact])[Redact] accepts 4 mos bank statements verifying rent as paid and acknowledges VOR amount of [Redact]<br>FICO score above minimum by 20 points or greater. 707 vs 600 |  |  | XX/XX/XXXX 12:32:56 PM | 2 B |  | XX | Second Home | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 184650 |  | 36116088 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redact] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/[Redact]) | CD reflects [Redact] calculates to be [Redact] ([Redact] x 6) |  |  |  | Buyer Comment (2018-05-24): non-material: premium included prior years balance |  |  | XX/XX/XXXX 10:35:43 AM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 184650 |  | 36116091 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Total Interest Percentage | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redact] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/[Redact]) | Note indicates 1 year LIBOR index while CD reflects UST5YW. Input into data field as 12 Month Treasury Average. |  |  |  | Buyer Comment (2018-06-08): Non-material: TIP is overdisclosed<br>Reviewer Comment (2018-06-07): Received PC CD and entered data into Clarity, however the Total Interest Percentage issue still remains. CD reflects [Redact] calculates to be [Redact] Reviewer used index of [Redact] which was the highest available in the lookback period.<br>Buyer Comment (2018-06-07): ([Redact])please see docs<br>Reviewer Comment (2018-05-30): Received CD already reviewed, issued [Redact] Missing corrected PCCD.<br>Buyer Comment (2018-05-30): ([Redact])please see docs |  |  | XX/XX/XXXX 9:14:53 AM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 184650 |  | 36116092 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redact] or Final Disclosure APR of [Redact] is in excess of allowable threshold of APOR [Redact] + 1.5%, or [Redact]. Compliant Higher Priced Mortgage Loan. | Verified fees were input correctly. |  |  |  | Reviewer Comment (2018-06-01): Compliant Higher Priced Mortgage Loan. |  |  | XX/XX/XXXX 3:43:23 PM | 1 A |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 184650 |  | 36116093 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. |  | DTI below max by 5% or greater: 29.38% vs 43%<br>PITIA reserves above minimum by 6 months or greater: 51.61 vs 15<br>Time on job 5 years or greater: 7.91 years. |  |  | Reviewer Comment (2018-05-23): Per [Redact] Matrix - QC Notes. |  |  | XX/XX/XXXX 1:08:05 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 750696 |  | 36116100 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redact] Higher-Priced Loan: APR on subject loan of [Redact] or Final Disclosure APR of [Redact] is in excess of allowable threshold of APOR [Redact] + 1.5%, or [Redact]. Compliant Higher Priced Loan. | Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2018-06-04): Compliant Higher Priced Loan. |  |  | XX/XX/XXXX 5:24:06 PM | 1 A |  | XX | Primary | Purchase | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows:<br>Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | No |
| XXXX | XXXX | 750696 |  | 36116101 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower:XXXX ___ | Business Narrative was not provided. | Time on Job of 5 years or greater. Borrower [Redact] for 16.5 years.<br>PITIA reserves above minimum by 6 months or greater. 35 vs 12 months. |  |  | Reviewer Comment (2018-06-08): Client elected to waive the exception with verified compensating factors.<br>Buyer Comment (2018-06-08): ([Redact])Borrower owns a [Redact]. [Redact] elects to waive with compensating factors:<br> Time on Job of 5 years or greater. Borrower self employed owner of a [Redact] for 16.5 years.<br> PITIA reserves above minimum by 6 months or greater. 35 vs 12 months. |  |  | XX/XX/XXXX 4:38:02 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 750696 |  | 36116104 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower's ATR Certification was not provided. | Time on Job of 5 years or greater. Borrower [Redact] for 16.5 years.<br>PITIA reserves above minimum by 6 months or greater. 35 vs 12 months. |  |  | Reviewer Comment (2018-06-08): Per [Redact] Matrix - QC Notes. |  |  | XX/XX/XXXX 1:27:24 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 750696 |  | 36116106 |  | 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/[Redact]) | The Final Consumer CD reflected a fee of [Redact] for the owners title policy. The Sellers CD reflected the fee as [Redact] |  |  |  | Buyer Comment (2018-06-11): Non-material: Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. |  |  | XX/XX/XXXX 11:13:54 AM | 1 A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 750696 |  | 36116107 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redact] or Final Disclosure APR of [Redact] is in excess of allowable threshold of APOR [Redact] + 1.5%, or [Redact]. Compliant Higher Priced Mortgage Loan. | Verified fees were input correctly. |  |  |  | Reviewer Comment (2018-06-08): Compliant Higher Priced Mortgage Loan for [Redact] and FED |  |  | XX/XX/XXXX 1:24:57 PM | 1 A |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 498198 |  | 36116109 |  | Credit | Guideline | Guideline Issue | Guideline | [Redact] residual income requirement not met. |  | Loan is HPML. VA Residual income worksheet not provided.<br> Residual income of [Redact] is below requirement amount of [Redact] for family size of 2. | PITIA reserves above minimum by 6 months or greater. 14 vs 3 months.<br>Time on Job of 5 years or greater. Job stability of 30 years.<br>0 X 30 24 month housing history |  |  | Reviewer Comment (2018-06-14): Client elected to waive the exception with verified compensating factors.<br>Buyer Comment (2018-06-13): ([Redact])[Redact] elects to waive with compensating factors:<br> PITIA reserves above minimum by 6 months or greater. 14 vs 3 months.<br> Time on Job of 5 years or greater. Job stability of 30 years.<br> 0 X 30 24 month housing history |  |  | XX/XX/XXXX 4:24:07 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 498198 |  | 36116110 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redact] or Final Disclosure APR of [Redact] is in excess of allowable threshold of APOR [Redact] + 1.5%, or [Redact]. Compliant Higher Priced Mortgage Loan. | Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2018-06-12): Compliant Higher Priced Mortgage Loan. |  |  | XX/XX/XXXX 2:28:36 PM | 1 A |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 498198 |  | 36116111 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redact] Higher-Priced Loan: APR on subject loan of [Redact] or Final Disclosure APR of [Redact] is in excess of allowable threshold of APOR [Redact] + 1.5%, or [Redact]. Compliant Higher Priced Loan. | Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2018-06-12): Compliant Higher Priced Loan. |  |  | XX/XX/XXXX 2:29:05 PM | 1 A |  | XX | Primary | Purchase | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows:<br>Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | No |
| XXXX | XXXX | 498198 |  | 36116112 |  | 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/[Redact]) | Final consumer CD reflects Owner's Title Insurance payment as [Redact] Seller CD reflects payment as [Redact] |  |  |  | Buyer Comment (2018-06-13): Non-material: Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. |  |  | XX/XX/XXXX 2:03:18 PM | 1 A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 498198 |  | 36116114 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: [Redact] ___ | LOE addressing NSF occurrences in [Redact] was not provided. | PITIA reserves above minimum by 6 months or greater. 14 vs 3 months.<br>Time on Job of 5 years or greater. Job stability of XX years.<br>0 X 30 24 month housing history |  |  | Reviewer Comment (2018-06-15): Client elected to waive the exception with verified compensating factors.<br>Buyer Comment (2018-06-15): ([Redact])Per LOE for consumer lates borrower was on extended travel during time period. Also, borrower has added son to accounts to be able to write checks and move funds around as needed. [Redact] elects to waive with compensating factors:<br> PITIA reserves above minimum by 6 months or greater. 14 vs 3 months.<br> Time on Job of 5 years or greater. Job stability of 30 years.<br> 0 X 30 24 month housing history<br>Reviewer Comment (2018-06-14): This was for [Redact] not [Redact] There were [Redact] for overdrafts and [Redact] year to date.<br>Buyer Comment (2018-06-13): ([Redact])please review. No service fees were charged in [Redact] |  |  | XX/XX/XXXX 3:21:48 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 517446 |  | 36116115 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Per 1008, Loan approved at 50.911% DTI, however no evidence [Redact] Wiaver Exception form found in file. Note: Expanded DTI program is not eligible for Foreign National borrowers. | Time on Job of 5 years or greater: 26.41 years<br>FICO score above minimum by 20 points or greater |  |  | Reviewer Comment (2018-07-02): Client elected to waive the exception with verified compensating factors.<br>Buyer Comment (2018-07-02): ([Redact])[Redact] elects to waive with compensating factors:<br> Time on Job of 5 years or greater: 26.41 years<br> FICO score above minimum by 20 points or greater |  |  | XX/XX/XXXX 8:45:48 PM | 2 B |  | XX | Second Home | Purchase | B A | UTD | Non QM | No |
| XXXX | XXXX | 517446 |  | 36116117 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: International Bank / End Date: [Redact] // Account Type: Checking / Account Number: [Redact] Financial Institution: [Redact] / End Date: [Redact] // Account Type: Checking / Account Number: [Redact] Financial Institution: [Redact] / End Date: [Redact] // Account Type: Life Insurance Value / Account Number: [Redact] | Missing 4 months bank statements shown in US currency as required for Foreign National program. File has a portfolio summary shown in EUs. | Time on Job of 5 years or greater: 26.41 years<br>FICO score above minimum by 20 points or greater |  |  | Reviewer Comment (2018-07-06): Client elected to waive the exception with verified compensating factors.<br>Buyer Comment (2018-07-05): ([Redact])[Redact] elects to waive with compensating factors:<br>Time on Job of 5 years or greater: 26.41 years<br> FICO score above minimum by 20 points or greater<br>Reviewer Comment (2018-07-02): [Redact] Guidelines state borrower must have a copy of the last 4 months bankstatement and they must be transalated into English language and shown in US currency. Issue remains open<br>Buyer Comment (2018-07-02): ([Redact])The asset documentation in file should suffice as portfolio shows individual balances and as an aggregated balance and inception date. Also provided a currency converted for US Dollars to EUs. |  |  | XX/XX/XXXX 11:25:50 AM | 2 B |  | XX | Second Home | Purchase | B A | UTD | Non QM | No |
| XXXX | XXXX | 517446 |  | 36116126 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[Redact]) | Transfer tax and owners title policy fees listed on consume's CD, all other fees listed on seller's CD |  |  |  | Buyer Comment (2018-07-09): Non-material: Seller paid fees on bwr's CD were the only seller paid fees on behalf of borrower. Additional Fees on the Seller CD were costs to the seller. Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. |  |  | XX/XX/XXXX 10:00:05 AM | 1 A |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | UTD | Non QM | No |
| XXXX | XXXX | 517446 |  | 36116128 |  | Credit | Asset | Asset Documentation | Asset | Assets Error: Accounts are missing |  | Missing bank account statements verifying source of $XXX earnest money deposit. | Time on Job of 5 years or greater: 26.41 years<br>FICO score above minimum by 20 points or greater |  |  | Reviewer Comment (2018-07-06): Client elected to waive the exception with verified compensating factors.<br>Buyer Comment (2018-07-05): ([Redact])EMD deposit were part of gift funds from parents. [Redact] elects to waive with compensating factors:<br> Time on Job of 5 years or greater: 26.41 years<br> FICO score above minimum by 20 points or greater<br>Reviewer Comment (2018-07-02): Gift funds letter reflects accounts [Redact] and [Redact] Please provide verification EMD funds came from one of these accounts. Issue remains open.<br>Buyer Comment (2018-07-02): ([Redact])The EMD should also be fine as these funds were wired from parents, from Italy to daughters US Bank account |  |  | XX/XX/XXXX 11:26:20 AM | 2 B |  | XX | Second Home | Purchase | B A | UTD | Non QM | No |
| XXXX | XXXX | 517446 |  | 36116130 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | . |  |  |  | Reviewer Comment (2018-07-06): NonQM submission provided. |  | XX/XX/XXXX 11:28:56 AM |  | 2 B |  | XX | Second Home | Purchase | B A | UTD | Non QM | No |
| XXXX | XXXX | 504753 |  | 36116132 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redact] or Final Disclosure APR of [Redact] is in excess of allowable threshold of APOR [Redact] + 1.5%, or [Redact]. Compliant Higher Priced Mortgage Loan. | Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2018-06-20): Compliant Higher Priced Mortgage Loan for [Redact] and FED |  |  | XX/XX/XXXX 10:08:19 AM | 1 A |  | XX | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 504753 |  | 36116135 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redact] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redact]) | CD reflects [Redact] calculates to be [Redact] Cure for $1,140 discount fee was not provided. |  |  |  | Reviewer Comment (2018-07-02): Seller provided corrected CD and LOE |  | XX/XX/XXXX 1:26:16 PM |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 504753 |  | 36116136 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[Redact]) | Sellers CD includes a [Redact] Real Estate Admin Fee in Section H, and increased fee for Commission of [Redact] vs [Redact] as reflected on the Final Consumer CD. |  |  |  | Buyer Comment (2018-07-05): non-material: . Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. |  |  | XX/XX/XXXX 11:40:13 AM | 1 A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 504753 |  | 36116137 |  | 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 [Redact] exceeds tolerance of [Redact] Insufficient or no cure was provided to the borrower. (7200) | Fee disclosed as [Redact] on LE and as [Redact] on Final CD. No evidence found of VCC for this increase in discount points. |  |  |  | Reviewer Comment (2018-07-02): Seller provided corrected CD, LOE, copy of refund check and proof of delivery<br>Buyer Comment (2018-07-02): ([Redact])please see PC CD, LOE and copy of refund |  | XX/XX/XXXX 1:24:03 PM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 504753 |  | 36116138 |  | 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 [Redact] exceeds tolerance of [Redact] Insufficient or no cure was provided to the borrower. (7520) | Cure of $[Redact] was given to the borrower at closing for the credit report fee |  |  |  | Reviewer Comment (2018-06-20): CD reflects [Redact] tolerance cure |  | XX/XX/XXXX 10:26:28 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 504753 |  | 36116140 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Bank debit or canceled checks for rent payments of [Redact] at [Redact] not provided. Borrower residing since[Redact].<br> VOR in file reflects borrower's name and rent of [Redact]<br> Loan application indicates rent free. Rent Free letter from spouse not acceptable. | Time on Job of 5 years or greater. Job stability of 9.8 years.<br>DTI below max by 5% or greater, 28.23% vs 43%<br>FICO score above minimum by 20 points or greater. 691 vs 580<br>PITIA reserves above minimum by 6 months or greater: 25.87 vs 3 |  |  | Reviewer Comment (2018-06-28): Client elected to waive the exception with verified compensating factors.<br>Buyer Comment (2018-06-28): ([Redact])Prior residence was only temporary as borrower sold prior home (mortgage history verified) and waiting to purchase subject property. [Redact] elects to waive with compensating factors:<br> Time on Job of 5 years or greater. Job stability of 9.8 years.<br> DTI below max by 5% or greater, 28.23% vs 43%<br> FICO score above minimum by 20 points or greater. 691 vs 580<br> PITIA reserves above minimum by 6 months or greater: 25.87 vs 3 |  |  | XX/XX/XXXX 4:26:54 PM | 2 B |  | XX | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | 652392 |  | 36116143 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redact] or Final Disclosure APR of [Redact] is in excess of allowable threshold of APOR [Redact] + 2.5%, or [Redact]. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2018-06-26): Compliant Higher Priced Mortgage Loan for [Redact] and FED |  |  | XX/XX/XXXX 12:35:59 PM | 1 A |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 652392 |  | 36116145 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX ___ | Missing letter of explanation for 1 overdraft fee reflected in [Redact] bank statement and 2 overdraft fees reflected in [Redact] bank statement. | DTI below max by 5% or greater, 31.91 % vs 43%<br>Time on Job of 5 years or greater 5 yrs vs 19 yrs<br>Residual income greater than 3X the VA. [Redact] vs [Redact] required per 1008<br>PITIA reserves above minimum by 6 months or greater: 15.25 vs 9 |  |  | Reviewer Comment (2018-07-06): Client elected to waive the exception with verified compensating factors.<br>Buyer Comment (2018-07-05): ([Redact])Borrower has overdraft protection. [Redact] elects to waive with compensating factors:<br> DTI below max by 5% or greater, 31.91 % vs 43%<br> Time on Job of 5 years or greater 5 yrs vs 19 yrs<br> Residual income greater than 3X the VA. [Redact] vs [Redact] required per 1008<br> PITIA reserves above minimum by 6 months or greater: 15.25 vs 9<br>Reviewer Comment (2018-07-03): Seller provided LOE for credit derogatory accounts. Please provide LOE for NSF fees. |  |  | XX/XX/XXXX 10:47:04 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 652392 |  | 36116149 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[Redact]) | [Redact] HOA Closing fee and [Redact] Post Closing fee not reflected on borrower's CD. |  |  |  | Buyer Comment (2018-07-09): Non-material: Seller paid fees on bwr's CD were the only seller paid fees on behalf of borrower. Additional Fees on the Seller CD were costs to the seller. Seller Fees did not include any borrower closing costs that increased and were switched to seller-paid. |  |  | XX/XX/XXXX 9:22:51 AM | 1 A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 858708 |  | 36116154 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Total Of Payments Test Rescindable Transactions | TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Total of Payments of [Redact] disclosed on the Final Closing Disclosure dated [Redact] is inaccurate by more than $35 compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of [Redact] provided on [Redact], a difference of [Redact] (Post-Close/[Redact]) | Several fees were increased, decreased, or added on the PCCD causing TOP to be under disclosed by [Redact] Need evidence that increases resulting in under disclosure were due to events occurring after consummation, otherwise, cure required. Remediation includes Letter of Explanation, Refund check for under disclosed equivalent amount, Reopened Rescission, updated CD and proof of delivery. |  |  |  | Reviewer Comment (2018-06-29): A corrected post close CD dated [Redact] letter of explanation to the borrowers, updated Notice of Right to Cancel, copy of a refund check for [Redact] and evidence of delivery have been provided. |  | XX/XX/XXXX 9:28:10 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| XXXX | XXXX | 858708 |  | 36116155 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Closing Costs Financed | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redact] disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/[Redact]) | Closing costs financed per final CD are [Redact] Calculated closing costs financed are [Redact] Variance is [Redact] |  |  |  | Reviewer Comment (2018-06-29): Cured on CD dated [Redact] |  | XX/XX/XXXX 3:41:35 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | 858708 |  | 36116157 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redact] disclosed a Closing Date that did not match the actual date of consummation. (Final/[Redact]) | Security instrument was notarized[Redact]. Closing date on final CD is[Redact]. |  |  |  | Reviewer Comment (2018-06-29): Received PC CD and LOE to borrower with correct closing date |  | XX/XX/XXXX 3:29:40 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |

---

## Exhibit 99.3

![](situsamc_logo.jpg)

---

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| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **EDGAR 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 Risk Score** | **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** |
| XXXX | XXXX | 871654 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 563420 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | 569930 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 218912 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.190% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 186247 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 392802 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 978017 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 246978 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 842364 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 878025 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 653200 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 617148 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 725943 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 637948 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 117386 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 823094 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 732595 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.320% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 100618 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 978556 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 975530 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 118874 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 895481 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 530701 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 180999 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 473977 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 584021 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 348821 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 291254 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 811324 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 321993 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -11.920% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 765372 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.270% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 863018 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 791718 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 839308 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 828027 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.910% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 416508 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 533353 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 132646 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 214246 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 512656 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 499025 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 874260 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 427511 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 359008 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| XXXX | XXXX | 258797 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 550556 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 331206 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | 864104 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 452225 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 395502 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -4.960% |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| XXXX | XXXX | 410328 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | 507007 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 967190 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 745188 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.510% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -2.560% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 925373 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| XXXX | XXXX | 225673 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 241894 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| XXXX | XXXX | 713562 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| XXXX | XXXX | 683785 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.00 |
| XXXX | XXXX | 306177 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 989132 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| XXXX | XXXX | 766569 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 324160 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 833223 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 445223 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 775520 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.120% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| XXXX | XXXX | 314767 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.00 |
| XXXX | XXXX | 815154 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 582228 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | 290042 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.330% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 171821 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | 925300 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.30 |
| XXXX | XXXX | 710950 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | XXXX | 900573 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 632372 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 121343 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | XXXX | 820610 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| XXXX | XXXX | 262452 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 718461 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | 342384 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | 625212 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.030% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 690628 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | 273843 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | XXXX | 769979 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | XXXX | 741499 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 954833 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | XXXX | 767251 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXXX | XXXX | 174223 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.40 |
| XXXX | XXXX | 371003 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 884582 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | 777567 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.30 |
| XXXX | XXXX | 695216 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 767252 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 512655 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 507667 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 287086 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 673401 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 986740 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.520% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 697665 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 599340 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 836014 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 337147 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 876839 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 228589 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 334515 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 258667 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 119089 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 853673 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 673545 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.230% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -100.000% |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 777400 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 760564 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 894857 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 177795 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 309703 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 967607 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 618196 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 774659 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 676137 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 174766 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 880663 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 189791 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 316948 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 952795 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 906918 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 788867 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 507668 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 400134 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 987077 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 108371 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 240462 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 836571 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 968891 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 198201 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 219688 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 629322 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 906347 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 609368 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 311732 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 893907 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 512443 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| XXXX | XXXX | 531950 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.120% |  |  | AVM |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 430250 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 248266 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| XXXX | XXXX | 878360 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.20 |
| XXXX | XXXX | 381451 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 941147 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 594294 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 374924 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 835258 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 308858 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.560% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 834044 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 639482 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.030% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 183767 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 125898 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |
| XXXX | XXXX | 758954 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 684473 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.940% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 365877 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 710943 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 112304 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 427257 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 384499 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 377774 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 323694 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.330% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 891314 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 237131 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 184650 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 750696 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 498198 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 517446 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 504753 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 652392 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 858708 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.3

![](situsamc_logo.jpg)

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | 550556 | XXXX |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 550556 | XXXX |  | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| XXXX | XXXX | 550556 | XXXX |  | Interest Rate Life Floor | 3.75 | 2 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| XXXX | XXXX | 550556 | XXXX |  | Investor: Qualifying Total Debt Ratio | 25.72 | 21.20753 | Verified | Other |
| XXXX | XXXX | 331206 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 331206 | XXXX |  | Representative FICO | XXX | XXX | Verified | Other |
| XXXX | XXXX | 331206 | XXXX |  | Investor: Qualifying Total Debt Ratio | 32.823 | 39.63969 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| XXXX | XXXX | 395502 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 395502 | XXXX |  | Borrower Qualifying FICO |  | XXX | Verified | Field Value reflects mid score of highest wage earner of all borrowers |
| XXXX | XXXX | 395502 | XXXX |  | Total Income | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 410328 | XXXX |  | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 410328 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 410328 | XXXX |  | Interest Rate Life Max |  | 10.875 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| XXXX | XXXX | 967190 | XXXX |  | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 967190 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 241894 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 241894 | XXXX |  | Borrower Qualifying FICO |  | XXX | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| XXXX | XXXX | 767252 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Note reflects date, XX/XX/XXXX. |
| XXXX | XXXX | 767252 | XXXX |  | Index Type | LIBOR - 1 Year (Daily) |  | Verified | Per note, final 1003, 1008 and Final Closing Disclosure, product type is fixed rate. |
| XXXX | XXXX | 767252 | XXXX |  | Margin | 4.5 |  | Verified | Per note, final 1003, 1008 and Final Closing Disclosure, product type is fixed rate. |
| XXXX | XXXX | 767252 | XXXX |  | Interest Rate Life Min | 5 |  | Verified | Per note, final 1003, 1008 and Final Closing Disclosure, product type is fixed rate. |
| XXXX | XXXX | 767252 | XXXX |  | Interest Rate Life Max | 11.5 |  | Verified | Per note, final 1003, 1008 and Final Closing Disclosure, product type is fixed rate. |
| XXXX | XXXX | 767252 | XXXX |  | Lookback Period | 45 days |  | Verified | Per note, final 1003, 1008 and Final Closing Disclosure, product type is fixed rate. |
| XXXX | XXXX | 767252 | XXXX |  | Interest Rate Initial Cap | 2 |  | Verified | Per note, final 1003, 1008 and Final Closing Disclosure, product type is fixed rate. |
| XXXX | XXXX | 767252 | XXXX |  | Interest Rate Initial Floor | 2 |  | Verified | Per note, final 1003, 1008 and Final Closing Disclosure, product type is fixed rate. |
| XXXX | XXXX | 512655 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Verified with Note in file. |
| XXXX | XXXX | 512655 | XXXX |  | Originator Loan Designation | Higher Priced QM | Non QM | Verified | Lender re-designated loan. |
| XXXX | XXXX | 287086 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Note in file reflects XX/XX/XXXX. |
| XXXX | XXXX | 673401 | XXXX |  | Investor: Qualifying Total Debt Ratio | 16.263 | 20.05077 | Verified | Verified by using $XXX as income, $1,267.26 in negative rent and $160.00 in consumer debt. Lender did not include expense claimed at P.O. box address shown in schedule E. Support was not provided. Review counted towards expense. |
| XXXX | XXXX | 986740 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Value taken from Note. |
| XXXX | XXXX | 697665 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Note in file reflects XX/XX/XXXX. |
| XXXX | XXXX | 599340 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Note in file reflects XX/XX/XXXX. |
| XXXX | XXXX | 836014 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Note and signature date verified XX/XX/XXXX |
| XXXX | XXXX | 836014 | XXXX |  | Originator Loan Designation | Higher Priced QM | Safe Harbor QM | Verified | Lender re-designated loan as Safe Harbor QM. |
| XXXX | XXXX | 337147 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Value taken from Note. |
| XXXX | XXXX | 228589 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Verified to Note. |
| XXXX | XXXX | 334515 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Note date and signature date verifiedXX/XX/XXXX |
| XXXX | XXXX | 258667 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Verified to Note. |
| XXXX | XXXX | 119089 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Per Note in file, date is XX/XX/XXXX. |
| XXXX | XXXX | 119089 | XXXX |  | Investor: Qualifying Total Debt Ratio | 38.858 | 42.98946 | Verified | DTI using Note rate is 38.858%. DTI using Note rate + 2.% is 42.98946%. |
| XXXX | XXXX | 853673 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Value taken from Note. |
| XXXX | XXXX | 777400 | XXXX |  | Borrower Self-Employed? | 0 | 1 | Verified | Per 1120 taxes in file. |
| XXXX | XXXX | 760564 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Verified to Note. |
| XXXX | XXXX | 894857 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Note reflects date XX/XX/XXXX. |
| XXXX | XXXX | 177795 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Date verified with Note, notary date |
| XXXX | XXXX | 967607 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Date verified with Note and notary date |
| XXXX | XXXX | 967607 | XXXX |  | Originator Loan Designation | Higher Priced QM | Safe Harbor QM | Verified | Lender re-designated loan as Safe Harbor QM. |
| XXXX | XXXX | 618196 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Value taken from Note. |
| XXXX | XXXX | 676137 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Date verified with Note, notary date |
| XXXX | XXXX | 174766 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Note reflects date XX/XX/XXXX. |
| XXXX | XXXX | 880663 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Verified Note date and signature date XX/XX/XXXX |
| XXXX | XXXX | 189791 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Verified to Note. |
| XXXX | XXXX | 316948 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Verified to Note |
| XXXX | XXXX | 952795 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Note date is XX/XX/XXXX. |
| XXXX | XXXX | 906918 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Verified per note |
| XXXX | XXXX | 507668 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Per Note. |
| XXXX | XXXX | 507668 | XXXX |  | Investor: Qualifying Total Debt Ratio | 43.042 | 33.97104 | Verified | 1008 shows $14,257 in other payments, file documents $2,107 in other payments. |
| XXXX | XXXX | 400134 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Date verified with note, notary date |
| XXXX | XXXX | 108371 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Verified to Note |
| XXXX | XXXX | 240462 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | note date reflects XX/XX/XXXX |
| XXXX | XXXX | 240462 | XXXX |  | Investor: Qualifying Total Debt Ratio | 39.398 | 30.49704 | Verified | lender counted XXXX HELOC payment twice (317 and 393), XXXX and XXXX also share some liabilities that were double counted |
| XXXX | XXXX | 836571 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Per note. |
| XXXX | XXXX | 968891 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Per Note. |
| XXXX | XXXX | 968891 | XXXX |  | Borrower Self-Employed? | 1 | 0 | Verified | Borrower is Self-Employed |
| XXXX | XXXX | 198201 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Value taken from Note. |
| XXXX | XXXX | 198201 | XXXX |  | LTV Valuation Value | $XXX | $XXX | Verified | Unable to determine why appraised value is being utilized vs. sales price. All inputs are correct. |
| XXXX | XXXX | 219688 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Verified to the Note. |
| XXXX | XXXX | 906347 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Verified with Note. |
| XXXX | XXXX | 906347 | XXXX |  | Originator Loan Designation | Non QM | N/A | Verified | Investment Property. |
| XXXX | XXXX | 609368 | XXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Verified with note in file the date is XX/XX/XXXX. |
| XXXX | XXXX | 609368 | XXXX |  | Originator Loan Designation |  | N/A | Verified | Investment Property |
| XXXX | XXXX | 311732 | XXXX |  | Originator Loan Designation | Non QM | N/A | Verified | Investment property |
| XXXX | XXXX | 893907 | XXXX |  | Property Type | Single Family Detached | PUD | Verified | Field value reflects source document |
| XXXX | XXXX | 893907 | XXXX |  | PITIA Reserves Months | 6.91 | 12.45 | Verified | Updated account statements reflect increased balances in savings and business checking. |
| XXXX | XXXX | 512443 | XXXX |  | PITIA Reserves Months | 10.76 | 0.65 | Verified | No assets listed on Final or Initial applications and no statements covering more than a 30 day period provided. |
| XXXX | XXXX | 531950 | XXXX |  | PITIA Reserves Months | 74.36 | 77.36 | Verified | Field value reflects source document |
| XXXX | XXXX | 430250 | XXXX |  | PITIA Reserves Months | 5.16 | 5.02 | Verified | Field value reflects source document |
| XXXX | XXXX | 248266 | XXXX |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 248266 | XXXX |  | PITIA Reserves Months | 20.05 | 18.46 | Verified | Field value reflects source document |
| XXXX | XXXX | 878360 | XXXX |  | PITIA Reserves Months | 29.35 | 37.82 | Verified | Field value reflects source document |
| XXXX | XXXX | 941147 | XXXX |  | Original Interest Rate | XX% | XX% | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 941147 | XXXX |  | Doc Type | Full | Alt | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| XXXX | XXXX | 374924 | XXXX |  | Amortization Term | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 374924 | XXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 374924 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 374924 | XXXX |  | Property Type | Single Family | 2 Family | Verified | Field value reflects source document |
| XXXX | XXXX | 374924 | XXXX |  | Index Type | US Treasury - 1 Year CMT (Daily) | US Treasury - 1 Year CMT (Weekly) | Verified | Field value reflects source document |
| XXXX | XXXX | 374924 | XXXX |  | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 374924 | XXXX |  | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 374924 | XXXX |  | Interest Rate Life Min | 0 | 3.25 | Verified | Field value reflects source document |
| XXXX | XXXX | 835258 | XXXX |  | Amortization Term | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 835258 | XXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 835258 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 835258 | XXXX |  | Representative FICO | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 835258 | XXXX |  | Property Type | Single Family | 4 Family | Verified | Field value reflects source document |
| XXXX | XXXX | 835258 | XXXX |  | Doc Type | Alt | No Ratio | Verified | Field value reflects source document |
| XXXX | XXXX | 835258 | XXXX |  | Index Type | US Treasury - 1 Year CMT (Daily) | US Treasury - 1 Year CMT (Weekly) | Verified | Field value reflects source document |
| XXXX | XXXX | 835258 | XXXX |  | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 835258 | XXXX |  | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 835258 | XXXX |  | Interest Rate Life Min | 0 | 3.25 | Verified | Field value reflects source document |
| XXXX | XXXX | 308858 | XXXX |  | Amortization Term | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 308858 | XXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 308858 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 308858 | XXXX |  | Representative FICO | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 308858 | XXXX |  | Doc Type | Alt | No Ratio | Verified | Doc Type is Debt to Asset Ratio. There is no documentation type available in Clarity. |
| XXXX | XXXX | 308858 | XXXX |  | Index Type | US Treasury - 1 Year CMT (Daily) | US Treasury - 1 Year CMT (Weekly) | Verified | Field value reflects source document |
| XXXX | XXXX | 308858 | XXXX |  | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 308858 | XXXX |  | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 308858 | XXXX |  | Interest Rate Life Min | 0 | 3.25 | Verified | Field value reflects source document |
| XXXX | XXXX | 834044 | XXXX |  | Amortization Term | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 834044 | XXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 834044 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 834044 | XXXX |  | Representative FICO | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 834044 | XXXX |  | Property Type | Single Family | 2 Family | Verified | Field value reflects source document |
| XXXX | XXXX | 834044 | XXXX |  | Doc Type | Alt | NINA | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 834044 | XXXX |  | Index Type | US Treasury - 1 Year CMT (Daily) | US Treasury - 1 Year CMT (Weekly) | Verified | Field value reflects source document |
| XXXX | XXXX | 834044 | XXXX |  | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 834044 | XXXX |  | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 834044 | XXXX |  | Interest Rate Life Min | 0 | 3.25 | Verified | Field value reflects source document |
| XXXX | XXXX | 639482 | XXXX |  | Amortization Term | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 639482 | XXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 639482 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 639482 | XXXX |  | Representative FICO | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 639482 | XXXX |  | Property Type | Single Family | 3 Family | Verified | Field value reflects source document |
| XXXX | XXXX | 639482 | XXXX |  | Doc Type | Alt | No Ratio | Verified | Field value reflects source document |
| XXXX | XXXX | 639482 | XXXX |  | Index Type | US Treasury - 1 Year CMT (Daily) | US Treasury - 1 Year CMT (Weekly) | Verified | Field value reflects source document |
| XXXX | XXXX | 639482 | XXXX |  | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 639482 | XXXX |  | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 639482 | XXXX |  | Interest Rate Life Min | 0 | 3.25 | Verified | Field value reflects source document |
| XXXX | XXXX | 639482 | XXXX |  | LTV Valuation Value | $XXx | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 183767 | XXXX |  | Amortization Term | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 183767 | XXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 183767 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 183767 | XXXX |  | Representative FICO | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 183767 | XXXX |  | Index Type | US Treasury - 1 Year CMT (Daily) | US Treasury - 1 Year CMT (Weekly) | Verified | Field value reflects source document |
| XXXX | XXXX | 183767 | XXXX |  | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 183767 | XXXX |  | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 183767 | XXXX |  | Interest Rate Life Min | 0 | 3.25 | Verified | Field value reflects source document |
| XXXX | XXXX | 125898 | XXXX |  | Amortization Term | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 125898 | XXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 125898 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 125898 | XXXX |  | Representative FICO | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 125898 | XXXX |  | Doc Type | Alt | No Ratio | Verified | Field value reflects source document |
| XXXX | XXXX | 125898 | XXXX |  | Index Type | US Treasury - 1 Year CMT (Daily) | US Treasury - 1 Year CMT (Weekly) | Verified | Field value reflects source document |
| XXXX | XXXX | 125898 | XXXX |  | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 125898 | XXXX |  | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 125898 | XXXX |  | Interest Rate Life Min | 0 | 3.25 | Verified | Field value reflects source document |
| XXXX | XXXX | 758954 | XXXX |  | Amortization Term | XXX | XXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 758954 | XXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 758954 | XXXX |  | Original P&I | $XXX | $XXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 758954 | XXXX |  | Representative FICO | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 758954 | XXXX |  | Property Type | Single Family | 4 Family | Verified | Field value reflects source document |
| XXXX | XXXX | 758954 | XXXX |  | Doc Type | Alt | No Ratio | Verified | Field value reflects source document |
| XXXX | XXXX | 758954 | XXXX |  | Index Type | US Treasury - 1 Year CMT (Daily) | US Treasury - 1 Year CMT (Weekly) | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 758954 | XXXX |  | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 758954 | XXXX |  | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 758954 | XXXX |  | Interest Rate Life Min | 0 | 3.25 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 365877 | XXXX |  | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 427257 | XXXX |  | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 384499 | XXXX |  | Borrower Last Name | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 384499 | XXXX |  | Representative FICO | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 384499 | XXXX |  | Appraised Value | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 384499 | XXXX |  | Contract Sales Price | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 377774 | XXXX |  | Doc Type | XXXX | Alt | Verified | Field value reflects source document |
| XXXX | XXXX | 323694 | XXXX |  | Investor: Qualifying Total Debt Ratio | 31.248 | 37.68579 | Verified | Field value reflects source document |
| XXXX | XXXX | 891314 | XXXX |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 891314 | XXXX |  | Doc Type | Reduced | Alt | Verified | Field value reflects source document |
| XXXX | XXXX | 891314 | XXXX |  | Investor: Qualifying Total Debt Ratio | 24.229 | 36.4781 | Verified | Field value reflects source document |
| XXXX | XXXX | 237131 | XXXX |  | Representative FICO | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 184650 | XXXX |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 184650 | XXXX |  | Doc Type | XXXX | Alt | Verified | Field value reflects source document |
| XXXX | XXXX | 184650 | XXXX |  | Appraised Value | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 184650 | XXXX |  | Margin | 2 | 5 | Verified | Field value reflects source document |
| XXXX | XXXX | 184650 | XXXX |  | Interest Rate Life Cap | 7 | 5 | Verified | Field value reflects source document |
| XXXX | XXXX | 184650 | XXXX |  | Original CLTV | 63.33 | 66.5 | Verified | Field value reflects source document |
| XXXX | XXXX | 184650 | XXXX |  | Original LTV | 63.33 | 66.5 | Verified | Field value reflects source document |
| XXXX | XXXX | 184650 | XXXX |  | Investor: Qualifying Total Debt Ratio | 21.01 | 29.47431 | Verified | Field value reflects source document |
| XXXX | XXXX | 750696 | XXXX |  | Property Type | Single Family Detached | PUD | Verified | Field value reflects source document |
| XXXX | XXXX | 750696 | XXXX |  | Doc Type | XXXX | Alt | Verified | Field value reflects source document |
| XXXX | XXXX | 750696 | XXXX |  | Appraised Value | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 750696 | XXXX |  | Contract Sales Price | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 750696 | XXXX |  | Original CLTV | 76.65 | 75 | Verified | Field value reflects source document |
| XXXX | XXXX | 750696 | XXXX |  | Original LTV | 76.65 | 75 | Verified | Field value reflects source document |
| XXXX | XXXX | 498198 | XXXX |  | Doc Type | Full | Alt | Verified | Field value reflects source document |
| XXXX | XXXX | 498198 | XXXX |  | Appraised Value | $XXX | $XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 498198 | XXXX |  | Investor: Qualifying Total Debt Ratio | 37.203 | 41.75622 | Verified | Field value reflects source document |
| XXXX | XXXX | 517446 | XXXX |  | Margin | 2 | 5 | Verified | Field value reflects source document |
| XXXX | XXXX | 517446 | XXXX |  | Interest Rate Life Cap | 7 | 5 | Verified | Field value reflects source document |
| XXXX | XXXX | 517446 | XXXX |  | Investor: Qualifying Total Debt Ratio | 41 | 50.33217 | Verified | Field value reflects source document |

---

## Exhibit 99.3

![](situsamc_logo.jpg)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | XXXX | 478829 |  | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 2 | 2 | [2] Credit Eligibility - Guideline Issue: Derogatory consumer credit outside of credit guidelines | Unpaid chargeoff > $125k on credit report. an approved exception is not documented | BUYER - GENERAL COMMENT (2022-02-28): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-01): Approved exception received in trailing documents for Charge off. Comp factor, seasoned investor, | 1 |  |  |  |  |  |  |  |  | Borrower's Experience/Track Record |  |  |  |  | A B |
| XXXX | XXXX | 827890 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Purchase |  | 2 | 2 | [2] Appraisal Documentation - Missing Document: Appraisal not provided<br> [2] General - Missing Hazard Insurance | Missing lenders secondary (Ops) appraisal for SFR with loan amount > $1.5MM<br> Approved exception at origination for waiver of insurance impounds. comp factor: seasoned investor | BUYER - GENERAL COMMENT (2022-02-08): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-02-10): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for missing secondary origination Ops appraisal. comp Factor: Reserves, FICO<br> REVIEWER - WAIVED COMMENT (2022-01-28): Approved exception at origination for waiver of insurance impounds. comp factor: seasoned investor | 1 |  |  |  |  |  |  |  |  | Borrower's Experience/Track Record<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. |  |  |  |  | A B |
| XXXX | XXXX | 190743 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Purchase |  | 2 | 2 | [2] General - Ineligible property<br> [2] General - Missing Hazard Insurance | approved exception at origination for Rural subject property. comp factor: Seasoned investor, FICO<br> approved exception at origination for waiver of ins impounds. comp factor: Seasoned investor | REVIEWER - WAIVED COMMENT (2022-01-31): approved exception at origination for Rural subject property. comp factor: Seasoned investor, FICO<br> REVIEWER - WAIVED COMMENT (2022-01-31): approved exception at origination for waiver of ins impounds. comp factor: Seasoned investor | 1 |  |  |  |  |  |  |  |  | Borrower's Experience/Track Record |  |  |  |  | A B |
| XXXX | XXXX | 636452 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Purchase |  | 2 | 2 | [2] Credit Calculation / Analysis - Guideline Issue: Insufficient tradelines per credit guidelines | Approved exception at origination for limited open major tradelines comp factor: Reserves | REVIEWER - WAIVED COMMENT (2022-02-26): Approved exception at origination for limited open major tradelines comp factor: Reserves | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. |  |  |  |  | A B |
| XXXX | XXXX | 312459 |  | XXXX | $XXX | XX | XX/XX/XXXX | Purchase |  | 2 | 2 | [2] Appraisal Documentation - Missing Document: Appraisal not provided | 1004 appraisal is missing comparable rent schedule/ market rent analysis | BUYER - GENERAL COMMENT (2022-02-08): Exception noted on uploaded approval<br> REVIEWER - GENERAL COMMENT (2022-02-10): Exception remains - status is 'unmitigated' on uploaded approval<br> BUYER - GENERAL COMMENT (2022-02-15): uploaded<br> REVIEWER - WAIVED COMMENT (2022-02-18): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for Appraisal missing market rent analysis. comp Factor: Reserves, FICO | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. |  |  |  |  | A B |
| XXXX | XXXX | 567441 |  | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 606003 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 454879 |  | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 951997 |  | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Rate/Term |  | 2 | 2 | [2] Credit Eligibility - Guideline Issue: Derogatory consumer credit outside of credit guidelines<br> [2] General - Ineligible property<br> [2] General - Insufficient Hazard Insurance<br> [2] Credit Documentation - Missing Document: Credit Report not provided<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Approved exception at origination for 2x BK with in 2 yrs. Comp factor: LTV, Reserves<br> Approved exception at origination for rural subject property. Comp factor: LTV, Reserves<br> EOI 1) reflects loss of use and not Loss of Rents Coverage 2) hurricane deductible of 3% on $1.2MM coverage amount exceeds guideline max wind deductible of $25k.<br> Credit report in file aged > 60 days. (report dated XX/XX/XXXXnote date isXX/XX/XXXX<br> Incomplete VOM- primary | REVIEWER - WAIVED COMMENT (2022-01-31): Approved exception at origination for 2x BK with in 2 yrs. Comp factor: LTV, Reserves<br> REVIEWER - WAIVED COMMENT (2022-01-31): Approved exception at origination for rural subject property. Comp factor: LTV, Reserves<br> BUYER - GENERAL COMMENT (2022-02-08): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-02-10): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for wind deductible amount comp Factor: LTV<br> BUYER - GENERAL COMMENT (2022-02-08): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-02-10): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for expired credit report. comp Factor: LTV<br> BUYER - GENERAL COMMENT (2022-02-08): Subject property mortgage analysis<br> BUYER - GENERAL COMMENT (2022-02-08): Payment confirmation subject<br> BUYER - GENERAL COMMENT (2022-02-08): Exception noted on uploaded property for primary residence<br> REVIEWER - WAIVED COMMENT (2022-02-10): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for Missing/ incomplete VOM-primary. comp Factor: LTV | 1 |  |  |  |  |  |  |  |  | The Loan to Value (LTV) on the loan is less than the guideline maximum. B |  |  |  |  | A B |
| XXXX | XXXX | 292869 |  | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 2 | 2 | [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Missing VOR- primary; borrower lives rent free. an approved exception waiver is not documented. | BUYER - GENERAL COMMENT (2022-02-08): Exception noted<br> REVIEWER - GENERAL COMMENT (2022-02-10): exception remains- status is 'unmitigated' on uploaded approval WS<br> BUYER - GENERAL COMMENT (2022-02-15): Uploaded<br> REVIEWER - WAIVED COMMENT (2022-02-18): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for Missing VOR- primary; borrower lives rent free. comp Factor: Seasoned investor | 1 |  |  |  |  |  |  |  |  | Borrower's Experience/Track Record |  |  |  |  | A B |
| XXXX | XXXX | 428352 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 2 | 2 | [2] General - Insufficient Hazard Insurance<br> [2] General - Missing Hazard Insurance<br> [2] Credit Documentation - Missing lease Agreement | EOI (owners policy) does not include loss of rents coverage<br> Approved exception at origination for waiver of insurance impounds. comp factor: seasoned investor<br> Missing lease for SFR condo refi. an approved exception is not documented. | BUYER - GENERAL COMMENT (2022-03-01): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-01): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for missing Loss of rents coverage. comp Factor: Seasoned investor<br> REVIEWER - WAIVED COMMENT (2022-02-25): Approved exception at origination for waiver of insurance impounds. comp factor: seasoned investor<br> BUYER - GENERAL COMMENT (2022-03-01): Exception noted on uplaoded approval<br> REVIEWER - WAIVED COMMENT (2022-03-01): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for missing lease. comp Factor: LTV | 1 |  |  |  |  |  |  |  |  | Borrower's Experience/Track Record<br>The Loan to Value (LTV) on the loan is less than the guideline maximum. |  |  |  |  | A B |
| XXXX | XXXX | 812924 |  | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 692202 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 340949 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Purchase |  | 2 | 2 | [2] General - Insufficient Hazard Insurance<br> [2] Appraisal Documentation - Missing Document: Appraisal not provided | EOI does not contain loss of rents coverage<br> 1--4 appraisal does not include comparable rent schedule/ market rent analysis. | BUYER - GENERAL COMMENT (2022-03-02): exception noted<br> REVIEWER - WAIVED COMMENT (2022-03-03): Approved exception received in trailing documents for no loss of rent coverage. Comp factor, high FICO.<br> BUYER - GENERAL COMMENT (2022-03-02): exception noted<br> REVIEWER - WAIVED COMMENT (2022-03-03): Approved exception for missing Comparable rent schedule with appraisal received in trailing document update. Comp factor, high FICO. | 1 |  |  |  |  |  |  |  |  | The representative FICO score exceeds the guideline minimum by XX points. B |  |  |  |  | A B |
| XXXX | XXXX | 299892 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 348114 |  | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 2 | 2 | [2] General - Insufficient Hazard Insurance<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | coverage amount of $158k is < appraisal replacement cost of $XXXK & loan amount of $XXXK.<br> Approved exception at origination for Missing/ incomplete VOR pay history. comp factor: Seasoned investor, High FICO | BUYER - GENERAL COMMENT (2022-03-09): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-11): Approved exception received in trailing documents for coverage amount. Comp factor, seasoned investor.<br> REVIEWER - WAIVED COMMENT (2022-02-28): Approved exception at origination for Missing/ incomplete VOR pay history. comp factor: Seasoned investor, High FICO | 1 |  |  |  |  |  |  |  |  | Borrower's Experience/Track Record |  |  |  |  | A B |
| XXXX | XXXX | 894610 |  | XXXX | $XXX | XX | XX/XX/XXXX | Purchase |  | 2 | 2 | [2] General - Insufficient Hazard Insurance | EOI reflects 100% coinsurance on 1-4 property type | BUYER - GENERAL COMMENT (2022-03-07): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-08): Approved exception received in trailing documents for co-insurance. Comp factor, high FICO. | 1 |  |  |  |  |  |  |  |  | The representative FICO score exceeds the guideline minimum by XX points. B |  |  |  |  | A B |
| XXXX | XXXX | 235842 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 2 | 2 | [2] General - Missing Hazard Insurance | Waiver of insurance impounds is not documented as an approved exception waiver | BUYER - GENERAL COMMENT (2022-03-03): Waiver of Insurance Impound exception is written<br> REVIEWER - WAIVED COMMENT (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for Waiver of Insurance impounds. comp Factor: Seasoned investor, FICO | 1 |  |  |  |  |  |  |  |  | Borrower's Experience/Track Record |  |  |  |  | A B |
| XXXX | XXXX | 614089 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 2 | 2 | [2] Credit Documentation - Missing Document: Credit Report not provided<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Credit report aged > 60 days at closing. (note date is X/XX; approval WS reflects FICO expiry of X/XX.)<br> Approved exception at origination for missing VOR-primary pay history (pays cash). Comp factor, seasoned investor. | BUYER - GENERAL COMMENT (2022-03-07): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-09): Approved exception received in trailing documents for expired credit report. Comp factor, seasoned investor.<br> REVIEWER - WAIVED COMMENT (2022-02-28): Approved exception at origination for missing VOM (pays cash). Comp factor, seasoned investor. | 1 |  |  |  |  |  |  |  |  | Borrower's Experience/Track Record<br>Borrower's Experience/Track Record |  |  |  |  | A B |
| XXXX | XXXX | 706409 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 2 | 2 | [2] Application / Processing - Missing Document: Non-Owner Occupancy Declaration not provided<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Cert of occ & indemnity is incomplete- line 3 handwritten address does not contain city state & zip<br> VOM pay history for subject reflects < 12 mos history and multiple late payments. | BUYER - GENERAL COMMENT (2022-03-09): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-11): Approved exception received in trailing documents for incomplete Certificate of Occupancy. Comp factor, seasoned investor.<br> BUYER - GENERAL COMMENT (2022-03-01): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-02): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for incomplete VOM/ late pay history. comp Factor: Seasoned investor | 1 |  |  |  |  |  |  |  |  | Borrower's Experience/Track Record |  |  |  |  | A B |
| XXXX | XXXX | 933579 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] General - FICO below 650<br> [2] Credit Eligibility - Guideline Issue: Derogatory mortgage payments outside of credit guidelines<br> [2] General - Insufficient Hazard Insurance<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided<br> [2] General - Missing Hazard Insurance | unable to determine comp factor for Approved exception for seller contribution/concession of 5% exceeds guideline max of 3%. status is 'unmitigated'<br> unable to determine comp factor for Approved exception for FICO OF XXX. status is 'unmitigated'<br> Credit report reflects 5x mortgages with 30 day lates within 12 mos.<br> Missing loss of rents coverage<br> unable to determine comp factor for Approved exception for missing VOR-primary. status is 'unmitigated'<br> Waiver of insurance impounds is not documented as an approved exception waiver | BUYER - GENERAL COMMENT (2022-03-02): Corrected on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for seller contribution of 5% comp Factor: Reserves<br> BUYER - GENERAL COMMENT (2022-03-02): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for FICO OF XXX. comp Factor: Reserves<br> BUYER - GENERAL COMMENT (2022-03-02): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for Mortgage Lates outside of guideline requirements. comp Factor: Reserves<br> BUYER - GENERAL COMMENT (2022-03-02): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for missing loss of rents coverage. comp Factor: Reserves<br> BUYER - GENERAL COMMENT (2022-03-02): Exception corrected on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for missing VOR-primary comp Factor: Reserves<br> BUYER - GENERAL COMMENT (2022-03-02): Exception noted on uploaded approval<br> REVIEWER - WAIVED COMMENT (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for waiver of ins impounds comp Factor: Reserves | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. |  |  |  |  | A B |
| XXXX | XXXX | 120391 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Refinance Cash-out - Other |  | 2 | 2 | [2] Credit Documentation - Missing Document: Credit Report not provided<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Credit report aged > 60 days at closing. (note date is X/XX; approval WS reflects FICO expiry of X/XX.)<br> Approved exception at origination for missing VOR-primary pay history (pays cash). Comp factor, seasoned investor. | BUYER - GENERAL COMMENT (2022-03-07): Exception noted<br> REVIEWER - WAIVED COMMENT (2022-03-09): Approved exception received in trailing documents for expired credit report. Com factor, seasoned investor.<br> REVIEWER - WAIVED COMMENT (2022-02-28): Approved exception at origination for missing VOM (pays cash). Comp factor, seasoned investor. | 1 |  |  |  |  |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's Experience/Track Record<br>Borrower's Experience/Track Record |  |  |  |  | A B |
| XXXX | XXXX | 675531 |  | XXXX | $XXX | XX | XX/XX/XXXX | Purchase |  | 2 | 2 | [2] Credit Calculation / Analysis - Guideline Issue: Insufficient tradelines per credit guidelines<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | no open major tradelines on credit report.<br> Approved exception at origination for missing VOR-primary; borrower lives rent free. comp factor: FICO, LTV | BUYER - GENERAL COMMENT (2022-03-07): Exception noted on uplaoded approval<br> REVIEWER - WAIVED COMMENT (2022-03-09): Approved exception received in trailing documents for no major tradelines reported. Comp factor, low LTV.<br> REVIEWER - WAIVED COMMENT (2022-03-01): Approved exception at origination for missing VOR-primary; borrower lives rent free. comp factor: FICO, LTV | 1 |  |  |  |  |  |  |  |  | The Loan to Value (LTV) on the loan is less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by XX points. B |  |  |  |  | A B |

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## Exhibit 99.3

![](situsamc_logo.jpg)

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Loan 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** | **Purpose** | **Exception Remediation** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | 478829 |  | 26443014 |  | Credit | Credit | Credit Eligibility | Credit | Guideline Issue: Derogatory consumer credit outside of credit guidelines |  | Unpaid chargeoff > $125k on credit report. an approved exception is not documented | Borrower's Experience/Track Record | Borrower's Experience/Track Record. | SitusAMC,Originator | Reviewer Comment (2022-03-01): Approved exception received in trailing documents for Charge off. Comp factor, seasoned investor,<br>Buyer Comment (2022-02-28): Exception noted on uploaded approval |  |  | XX/XX/XXXX 5:19:48 PM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 827890 |  | 26442968 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Missing Hazard Insurance |  | Approved exception at origination for waiver of insurance impounds. comp factor: seasoned investor | Borrower's Experience/Track Record | CF- seasoned investor | SitusAMC,Originator | Reviewer Comment (2022-01-28): Approved exception at origination for waiver of insurance impounds. comp factor: seasoned investor |  |  | XX/XX/XXXX 10:54:07 AM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 827890 |  | 26442969 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Missing lenders secondary (Ops) appraisal for SFR with loan amount > $1.5MM | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. | CF- reserves | SitusAMC,Originator | Reviewer Comment (2022-02-10): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for missing secondary origination Ops appraisal. comp Factor: Reserves, FICO<br>Buyer Comment (2022-02-08): Exception noted on uploaded approval |  |  | XX/XX/XXXX 8:08:25 PM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 190743 |  | 26442988 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Missing Hazard Insurance |  | approved exception at origination for waiver of ins impounds. comp factor: Seasoned investor | Borrower's Experience/Track Record | CF- seasoned investor | SitusAMC,Originator | Reviewer Comment (2022-01-31): approved exception at origination for waiver of ins impounds. comp factor: Seasoned investor |  |  | XX/XX/XXXX 3:56:04 PM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 190743 |  | 26442989 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Ineligible property |  | approved exception at origination for Rural subject property. comp factor: Seasoned investor, FICO | Borrower's Experience/Track Record | CF- seasoned investor | SitusAMC,Originator | Reviewer Comment (2022-01-31): approved exception at origination for Rural subject property. comp factor: Seasoned investor, FICO |  |  | XX/XX/XXXX 3:56:15 PM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 636452 |  | 26442994 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | Approved exception at origination for limited open major tradelines comp factor: Reserves | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. | CF- seasoned investor | SitusAMC,Originator | Reviewer Comment (2022-02-26): Approved exception at origination for limited open major tradelines comp factor: Reserves |  |  | XX/XX/XXXX 9:43:07 AM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 312459 |  | 26443006 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | 1004 appraisal is missing comparable rent schedule/ market rent analysis | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. | CF- reserves | SitusAMC,Originator | Reviewer Comment (2022-02-18): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for Appraisal missing market rent analysis. comp Factor: Reserves, FICO<br>Buyer Comment (2022-02-15): uploaded<br>Reviewer Comment (2022-02-10): Exception remains - status is 'unmitigated' on uploaded approval<br>Buyer Comment (2022-02-08): Exception noted on uploaded approval |  |  | XX/XX/XXXX 2:06:20 PM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 951997 |  | 26442975 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Ineligible property |  | Approved exception at origination for rural subject property. Comp factor: LTV, Reserves | The Loan to Value (LTV) on the loan is less than the guideline maximum. | CF- LTV | SitusAMC,Originator | Reviewer Comment (2022-01-31): Approved exception at origination for rural subject property. Comp factor: LTV, Reserves |  |  | XX/XX/XXXX 12:53:31 PM | 2 B |  | XX | Refinance - Rate/Term | B | A |  |  | No |
| XXXX | XXXX | 951997 |  | 26442978 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report in file aged > 60 days. (report dated XX/XX/XXXXnote date isXX/XX/XXXX | The Loan to Value (LTV) on the loan is less than the guideline maximum. | CF- LTV | SitusAMC,Originator | Reviewer Comment (2022-02-10): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for expired credit report. comp Factor: LTV<br>Buyer Comment (2022-02-08): Exception noted on uploaded approval |  |  | XX/XX/XXXX 8:02:56 PM | 2 B |  | XX | Refinance - Rate/Term | B | A |  |  | No |
| XXXX | XXXX | 951997 |  | 26442974 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Incomplete VOM- primary | The Loan to Value (LTV) on the loan is less than the guideline maximum. | CF- LTV | SitusAMC,Originator | Reviewer Comment (2022-02-10): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for Missing/ incomplete VOM-primary. comp Factor: LTV<br>Buyer Comment (2022-02-08): Exception noted on uploaded property for primary residence<br>Buyer Comment (2022-02-08): Payment confirmation subject<br>Buyer Comment (2022-02-08): Subject property mortgage analysis |  |  | XX/XX/XXXX 8:05:29 PM | 2 B |  | XX | Refinance - Rate/Term | B | A |  |  | No |
| XXXX | XXXX | 951997 |  | 26442973 |  | Credit | Credit | Credit Eligibility | Credit | Guideline Issue: Derogatory consumer credit outside of credit guidelines |  | Approved exception at origination for 2x BK with in 2 yrs. Comp factor: LTV, Reserves | The Loan to Value (LTV) on the loan is less than the guideline maximum. | CF- LTV | SitusAMC,Originator | Reviewer Comment (2022-01-31): Approved exception at origination for 2x BK with in 2 yrs. Comp factor: LTV, Reserves |  |  | XX/XX/XXXX 12:53:18 PM | 2 B |  | XX | Refinance - Rate/Term | B | A |  |  | No |
| XXXX | XXXX | 951997 |  | 26442972 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Insufficient Hazard Insurance |  | EOI 1) reflects loss of use and not Loss of Rents Coverage 2) hurricane deductible of 3% on $1.2MM coverage amount exceeds guideline max wind deductible of $25k. | The Loan to Value (LTV) on the loan is less than the guideline maximum. | CF- LTV | SitusAMC,Originator | Reviewer Comment (2022-02-10): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for wind deductible amount comp Factor: LTV<br>Buyer Comment (2022-02-08): Exception noted on uploaded approval |  |  | XX/XX/XXXX 8:05:56 PM | 2 B |  | XX | Refinance - Rate/Term | B | A |  |  | No |
| XXXX | XXXX | 292869 |  | 26443028 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing VOR- primary; borrower lives rent free. an approved exception waiver is not documented. | Borrower's Experience/Track Record | CF- seasoned investor | SitusAMC,Originator | Reviewer Comment (2022-02-18): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for Missing VOR- primary; borrower lives rent free. comp Factor: Seasoned investor<br>Buyer Comment (2022-02-15): Uploaded<br>Reviewer Comment (2022-02-10): exception remains- status is 'unmitigated' on uploaded approval WS<br>Buyer Comment (2022-02-08): Exception noted |  |  | XX/XX/XXXX 2:09:19 PM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 428352 |  | 26442996 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Missing Hazard Insurance |  | Approved exception at origination for waiver of insurance impounds. comp factor: seasoned investor | Borrower's Experience/Track Record | CF- seasoned investor | SitusAMC,Originator | Reviewer Comment (2022-02-25): Approved exception at origination for waiver of insurance impounds. comp factor: seasoned investor |  |  | XX/XX/XXXX 8:51:06 PM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 428352 |  | 26443001 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Insufficient Hazard Insurance |  | EOI (owners policy) does not include loss of rents coverage | Borrower's Experience/Track Record | CF- seasoned investor | SitusAMC,Originator | Reviewer Comment (2022-03-01): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for missing Loss of rents coverage. comp Factor: Seasoned investor<br>Buyer Comment (2022-03-01): Exception noted on uploaded approval |  |  | XX/XX/XXXX 7:00:36 PM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 428352 |  | 26443002 |  | Credit | Credit | Credit Documentation | Credit | Missing lease Agreement |  | Missing lease for SFR condo refi. an approved exception is not documented. | The Loan to Value (LTV) on the loan is less than the guideline maximum. | CF- LTV | SitusAMC,Originator | Reviewer Comment (2022-03-01): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for missing lease. comp Factor: LTV<br>Buyer Comment (2022-03-01): Exception noted on uplaoded approval |  |  | XX/XX/XXXX 6:58:37 PM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 340949 |  | 26443057 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | 1--4 appraisal does not include comparable rent schedule/ market rent analysis. | The representative FICO score exceeds the guideline minimum by XX points. | XXX FICO | SitusAMC,Originator | Reviewer Comment (2022-03-03): Approved exception for missing Comparable rent schedule with appraisal received in trailing document update. Comp factor, high FICO.<br>Buyer Comment (2022-03-02): exception noted |  |  | XX/XX/XXXX 10:02:33 AM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 340949 |  | 26443058 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Insufficient Hazard Insurance |  | EOI does not contain loss of rents coverage | The representative FICO score exceeds the guideline minimum by XX points. | XXX FICO | SitusAMC,Originator | Reviewer Comment (2022-03-03): Approved exception received in trailing documents for no loss of rent coverage. Comp factor, high FICO.<br>Buyer Comment (2022-03-02): exception noted |  |  | XX/XX/XXXX 10:03:29 AM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 348114 |  | 26443073 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Approved exception at origination for Missing/ incomplete VOR pay history. comp factor: Seasoned investor, High FICO | Borrower's Experience/Track Record | CF- seasoned investor | SitusAMC,Originator | Reviewer Comment (2022-02-28): Approved exception at origination for Missing/ incomplete VOR pay history. comp factor: Seasoned investor, High FICO |  |  | XX/XX/XXXX 3:44:52 PM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 348114 |  | 26443074 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Insufficient Hazard Insurance |  | coverage amount of $158k is < appraisal replacement cost of $XXXK & loan amount of $XXXK. | Borrower's Experience/Track Record | CF- seasoned investor | SitusAMC,Originator | Reviewer Comment (2022-03-11): Approved exception received in trailing documents for coverage amount. Comp factor, seasoned investor.<br>Buyer Comment (2022-03-09): Exception noted on uploaded approval |  |  | XX/XX/XXXX 1:06:50 PM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 894610 |  | 26443043 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Insufficient Hazard Insurance |  | EOI reflects 100% coinsurance on 1-4 property type | The representative FICO score exceeds the guideline minimum by XX points. | XXX FICO. | SitusAMC,Originator | Reviewer Comment (2022-03-08): Approved exception received in trailing documents for co-insurance. Comp factor, high FICO.<br>Buyer Comment (2022-03-07): Exception noted on uploaded approval |  |  | XX/XX/XXXX 12:59:18 PM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 235842 |  | 26443041 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Missing Hazard Insurance |  | Waiver of insurance impounds is not documented as an approved exception waiver | Borrower's Experience/Track Record | CF- seasoned investor | SitusAMC,Originator | Reviewer Comment (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for Waiver of Insurance impounds. comp Factor: Seasoned investor, FICO<br>Buyer Comment (2022-03-03): Waiver of Insurance Impound exception is written |  |  | XX/XX/XXXX 3:32:41 PM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 614089 |  | 26443066 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Approved exception at origination for missing VOR-primary pay history (pays cash). Comp factor, seasoned investor. | Borrower's Experience/Track Record | Borrower's Experience/Track Record. | SitusAMC,Originator Pre-Close | Reviewer Comment (2022-02-28): Approved exception at origination for missing VOM (pays cash). Comp factor, seasoned investor. |  |  | XX/XX/XXXX 3:12:29 PM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 614089 |  | 26443069 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report aged > 60 days at closing. (note date is X/XX; approval WS reflects FICO expiry of X/XX.) | Borrower's Experience/Track Record | Borrower's Experience/Track Record. | SitusAMC,Originator | Reviewer Comment (2022-03-09): Approved exception received in trailing documents for expired credit report. Comp factor, seasoned investor.<br>Buyer Comment (2022-03-07): Exception noted on uploaded approval |  |  | XX/XX/XXXX 10:12:11 AM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 706409 |  | 26443095 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Cert of occ & indemnity is incomplete- line 3 handwritten address does not contain city state & zip | Borrower's Experience/Track Record | CF- seasoned investor | SitusAMC,Originator | Reviewer Comment (2022-03-11): Approved exception received in trailing documents for incomplete Certificate of Occupancy. Comp factor, seasoned investor.<br>Buyer Comment (2022-03-09): Exception noted on uploaded approval |  |  | XX/XX/XXXX 1:01:20 PM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 706409 |  | 26443096 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM pay history for subject reflects < 12 mos history and multiple late payments. | Borrower's Experience/Track Record | CF- seasoned investor | SitusAMC,Originator | Reviewer Comment (2022-03-02): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for incomplete VOM/ late pay history. comp Factor: Seasoned investor<br>Buyer Comment (2022-03-01): Exception noted on uploaded approval |  |  | XX/XX/XXXX 11:13:42 AM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 933579 |  | 26443077 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | FICO below 650 |  | unable to determine comp factor for Approved exception for FICO OF XXX. status is 'unmitigated' | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. | CF- Reserves | SitusAMC,Originator | Reviewer Comment (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for FICO OF XXX. comp Factor: Reserves<br>Buyer Comment (2022-03-02): Exception noted on uploaded approval |  |  | XX/XX/XXXX 11:30:23 AM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 933579 |  | 26443082 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Insufficient Hazard Insurance |  | Missing loss of rents coverage | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. | CF- Reserves | SitusAMC,Originator | Reviewer Comment (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for missing loss of rents coverage. comp Factor: Reserves<br>Buyer Comment (2022-03-02): Exception noted on uploaded approval |  |  | XX/XX/XXXX 11:31:56 AM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 933579 |  | 26443080 |  | Credit | Small Balance Commercial | General | Small Balance Commercial | Missing Hazard Insurance |  | Waiver of insurance impounds is not documented as an approved exception waiver | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. | CF- Reserves | SitusAMC,Originator | Reviewer Comment (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for waiver of ins impounds comp Factor: Reserves<br>Buyer Comment (2022-03-02): Exception noted on uploaded approval |  |  | XX/XX/XXXX 11:31:27 AM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 933579 |  | 26443079 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | unable to determine comp factor for Approved exception for seller contribution/concession of 5% exceeds guideline max of 3%. status is 'unmitigated' | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. | CF- Reserves | SitusAMC,Originator | Reviewer Comment (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for seller contribution of 5% comp Factor: Reserves<br>Buyer Comment (2022-03-02): Corrected on uploaded approval |  |  | XX/XX/XXXX 11:31:03 AM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 933579 |  | 26443078 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | unable to determine comp factor for Approved exception for missing VOR-primary. status is 'unmitigated' | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. | CF- Reserves | SitusAMC,Originator | Reviewer Comment (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for missing VOR-primary comp Factor: Reserves<br>Buyer Comment (2022-03-02): Exception corrected on uploaded approval |  |  | XX/XX/XXXX 11:30:38 AM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 933579 |  | 26443076 |  | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | Credit report reflects 5x mortgages with 30 day lates within 12 mos. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by XX months. | CF- Reserves | SitusAMC,Originator | Reviewer Comment (2022-03-03): Exception waived - due to receipt of updated loan approval WS reflecting approved exception for Mortgage Lates outside of guideline requirements. comp Factor: Reserves<br>Buyer Comment (2022-03-02): Exception noted on uploaded approval |  |  | XX/XX/XXXX 11:29:59 AM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 120391 |  | 26443061 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Approved exception at origination for missing VOR-primary pay history (pays cash). Comp factor, seasoned investor. | Borrower has owned the subject property for at least 5 years. |  | SitusAMC | Reviewer Comment (2022-02-28): Approved exception at origination for missing <br> VOM (pays cash). Comp factor, seasoned investor. |  |  | XX/XX/XXXX 2:53:35 PM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 120391 |  | 26443064 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report aged > 60 days at closing. (note date is X/XX; approval WS reflects FICO expiry of X/XX.) | Borrower's Experience/Track Record | Borrower's Experience/Track Record. | SitusAMC,Originator | Reviewer Comment (2022-03-09): Approved exception received in trailing documents for expired credit report. Com factor, seasoned investor.<br>Buyer Comment (2022-03-07): Exception noted |  |  | XX/XX/XXXX 9:51:51 AM | 2 B |  | XX | Refinance - Cash-out - Other | B | A |  |  | No |
| XXXX | XXXX | 675531 |  | 26443099 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Approved exception at origination for missing VOR-primary; borrower lives rent free. comp factor: FICO, LTV | The representative FICO score exceeds the guideline minimum by XX points. | CF- FICO | SitusAMC,Originator | Reviewer Comment (2022-03-01): Approved exception at origination for missing VOR-primary; borrower lives rent free. comp factor: FICO, LTV |  |  | XX/XX/XXXX 9:10:51 AM | 2 B |  | XX | Purchase | B | A |  |  | No |
| XXXX | XXXX | 675531 |  | 26443100 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | no open major tradelines on credit report. | The Loan to Value (LTV) on the loan is less than the guideline maximum. | XX% LTV. | SitusAMC,Originator | Reviewer Comment (2022-03-09): Approved exception received in trailing documents for no major tradelines reported. Comp factor, low LTV.<br>Buyer Comment (2022-03-07): Exception noted on uplaoded approval |  |  | XX/XX/XXXX 10:34:52 AM | 2 B |  | XX | Purchase | B | A |  |  | No |

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## Exhibit 99.3

![](situsamc_logo.jpg)

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| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **EDGAR 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 Risk Score** | **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** |
| XXXX | XXXX | 478829 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 827890 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 190743 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 636452 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 312459 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 567441 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 606003 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 454879 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 951997 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 292869 |  |  |  |  |  |  |  | 14.290% |  |  |  | Appraisal |  |  |  |  |  |  | 14.290% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 428352 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 812924 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 692202 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.940% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 340949 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 299892 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 348114 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 894610 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 235842 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 614089 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 706409 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 933579 |  |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 120391 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.100% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 675531 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.3

![](situsamc_logo.jpg)

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | 428352 |  |  | Investment Property Type | XXXXXXXXXXXXXXXXXXXX | XXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 675531 |  |  | Original LTV | XX.XX | XX.XX | Verified | Field Value reflects Original Principal Balance<br> divided by the lesser of the appraised value or purchase price. (Purchases) |

---

## Exhibit 99.4

**Exhibit 99.4**

![](selene_logo.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 Loan Funding Structure LLC ("Client"). The review was conducted between February 15 2022 and October 12 2022 and 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 38 Non-QM loans and 21 ATR Exempt loans for a total of 59 loans the "Final Securitization Population".

*<u>Credit Reviews (59):</u>*

During the Review, Selene performed a credit review on 59 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (59)</u>*

During the Review, Selene performed a compliance review, as applicable, on 59 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (59):</u>*

During the Review, Selene performed a property valuation review on 59 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (59):</u>*

During the Review, Selene performed a Data Integrity Review on 59 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 2 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;59 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;59 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;59 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;59 | &nbsp;&nbsp;100% |

---

**(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), (the "NRSRO(s)").

**(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.

**(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>G</u>** **<u>UIDELINES</u>**

Velocity Commercial Capital's ("VCC") Loan Eligibility Guidelines, LoanStream Mortgage Guidelines (collectively 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.

Page **2** of **15**

**<u>S</u>** **<u>COPE 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).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whet h er the ch a r act e rist i cs o f the mo r tga g e l o a n s a n d the b o r r o w ers c on f o r m ed t o the G u i d eli n es c i t e d a b o v e;

● R e -calc u la t ed L TV, C L TV, i n c o m e, lia b ilit i es a n d c o m p a red the s e a g ai n st the G u i d e li n es;

● A n alyzed asset s t at e m e n ts to d e t er m i n e whet h er f und s to c l o se a n d res e r v e s w e r e within t h e Gu i d eli n es;

● C o n fi rm ed that cred i t s c o r es (F I CO) and cred i t his t o r i es w ere within t h e Gu i d eli n es.

**COMPLIANCE REVIEW**

Selene's compliance scope on the Non-QM loans 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.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **O** **ri g i na l Ap p r a i s a l A ss e s s m en t** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

● **Va** **l u e Suppo r ted A na ly s i s** 

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.

Page **3** of **15**

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

● Tape data re c ei v ed fr o m le nd er / clie n t is s t o r ed in a se cu r ed FTP f o l d er;

● Tape data i s u p l o a d ed i n to the ap p licat i o n ;

● Lo an R e v ie w er c o lle c ts v al i d at e d l o an data;

● Each re c ei v ed d a ta p o i n t is c o m p ared t o i ts c o un t e r p a r t c o l l ec t ed d a ta p o i n t; a n d

● D iscrep an c i es f o un d d u ri n g c o m p ar i s o n are s t o red a n d r e p o r t e d .

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>S</u>** **<u>UMMARY 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 2 mortgage loans, (ii) a Compliance Review on 2 mortgage loans (iii) a Valuation Review on 2 mortgage loans, and (iv) a Data Integrity Review on 2 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 2 mortgage loans; 1 mortgage loans had a rating grade of A, 1 mortgage loans 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> ***Grades per loan (59 overall loans):*** | &nbsp;&nbsp; ****<br> ***Grades per loan (59 overall loans):*** | &nbsp;&nbsp; ****<br> ***Grades per loan (59 overall loans):*** | &nbsp;&nbsp; ****<br> ***Grades per loan (59 overall loans):*** |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;18 | &nbsp;&nbsp;30.51% | &nbsp;&nbsp;A | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;16 | &nbsp;&nbsp;27.12% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;25 | &nbsp;&nbsp;42.37% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **15**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| |  | &nbsp;&nbsp; ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &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;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;59 | &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>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.

*D isclaimer:* 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.

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

Page **5** of **15**

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>T</u>** **<u>HIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence 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

Page **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

Page **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;

Page **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.

Page **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) *as applicable for loans with application dates prior to October 3, 2015:*</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; <br> ii) review relevant document to determine if there was dual compensation; and

Page **10** of **15**

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;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>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;i) <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;j) 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.** **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 completed and that information was reflected in the appropriate locations, which 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 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) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) 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> 

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; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 4.0, as may be updated from time to time.

Page **11** of **15**

**3.** **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)).

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

Selene 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.

Selene 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"). 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.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **15**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration<br>
Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

Page **13** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;69. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI Responsible High Cost Mortgage Lending Act

Page **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 i nd ivid u als p er f o r m i n g
the a f o r e m ent i o n ed o ri g i n al
a pp ra i sal a sses s m ent a re n o t p er s o n s p r ov i d i n g v al u at i o n s f o r p u r p o ses o f t h e U n i f o r m S t a nd ar d s o f P r o f ess i o n al A pp ra i sal P r a cti c e
(" U S P A P ") o r n e c essari l y
l i c ensed as a pp ra i se r s und er Fe d eral o r S t ate l a w,
a n d t h e se r v ices b ei n g p erf o r m ed b y such p ers on s d o no t c o n st i tute " a pp ra i sal
r e v i e w s " f o r pu r p o s es o f U S P A P o r Fe d eral o r
Sta t e l a w.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene m akes no r epre s enta t i o n o r w ar r a n ty a s t o t h e v al u e o f
any m o rtg ag ed
p r op ert y , n o t w i thsta nd i n g t h at Selene m ay ha v e r e v i e w e d v al u at i o n
in f o r m at i o n f o r r eas o n a b le n es s .

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is n o t
an ' A M C' (a pp r a isal m a n a g e m ent c o m p a n y)
a n d t h ere f o r e Selene d o e s n o t o p i n e o n the actual v al u e o f t h e un d erlying pro p ert y .

● Selene is n o t a 'cred i t o r' wit h in t h e m ean in g o f ECOA o r o ther l en d i n g laws a n d r e g u lati o n s, and there f o re Selene will n o t ha v e a n y c om m un icat i o n w ith o r r e sponsi b ility t o any in d ivid u al c o n su m er c o n c ern in g pro p erty v al u at i on .

● Selene do es no t c o n fi r m w h e ther the ap p ra i ser is o n the Fred d ie M ac exclusionary list.

Page **15** of **15**

## Exhibit 99.4

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 217912 |  |  | XXXX D C A |
| 154521 |  |  | XXXX A C |
| 628753 |  |  | XXXX C D A |
| 599516 |  |  | XXXX A |
| 935551 |  |  | XXXX A |
| 120063 |  |  | XXXX D A |
| 745217 |  |  | XXXX A D |
| 180901 |  |  | XXXX A |
| 187082 |  |  | XXXX C A |
| 882622 |  |  | XXXX A |
| 121832 |  |  | XXXX C A |
| 456482 |  |  | XXXX A |
| 222581 |  |  | XXXX A |
| 884684 |  |  | XXXX C A |
| 968459 |  |  | XXXX A |
| 782402 |  |  | XXXX A C |
| 627568 |  |  | XXXX D A |
| 824947 |  |  | XXXX D A |
| 981610 |  |  | XXXX A |
| 731342 |  |  | XXXX D A |
| 245947 |  |  | XXXX A |
| 309033 |  |  | XXXX A C |
| 130230 |  |  | XXXX D C A |
| 876514 |  |  | XXXX D A |
| 736002 |  |  | XXXX A C |
| 582596 |  |  | XXXX A |
| 600803 |  |  | XXXX A |
| 633872 |  |  | XXXX A |
| 827211 |  |  | XXXX C A |
| 230906 |  |  | XXXX A |
| 600539 |  |  | XXXX D C A |
| 669078 |  |  | XXXX D A |
| 575073 |  |  | XXXX D C A |
| 966429 |  |  | XXXX D C A |
| 535405 |  |  | XXXX C D A |
| 791629 |  |  | XXXX A C |
| 549313 |  |  | XXXX D A |
| 834676 |  |  | XXXX D C A |
| 844007 |  |  | XXXX D C A |
| 205315 |  |  | XXXX C A |
| 172040 |  |  | XXXX A C |
| 574539 |  |  | XXXX D A |
| 619692 |  |  | XXXX A C |
| 308134 |  |  | XXXX D A |
| 637735 |  |  | XXXX D A |
| 651735 |  |  | XXXX B D A |
| 317101 |  |  | XXXX D C A |
| 972444 |  |  | XXXX A |
| 176905 |  |  | XXXX C D A |
| 819608 |  |  | XXXX A |
| 847400 |  |  | XXXX A D |
| 410574 |  |  | XXXX A C |
| 636596 |  |  | XXXX C A |
| 930833 |  |  | XXXX A |
| 642406 |  |  | XXXX A D |
| 676925 |  |  | XXXX A |
| 442884 |  |  | XXXX C A |
| 975387 |  |  | XXXX A |
| 666777 |  |  | XXXX C A |

---

## Exhibit 99.4

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| XXXX | 217912 |  |  | Closed | 2022-03-08 12:36 | 2022-08-10 10:37 | Resolved | 1 - Information C A | Compliance | Closing | Note does Not Indicate Interest Only Terms but Loan Approved as an Interest Only Program | Resolved-Received Interest Note, entered into file; Resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Received Interest Note, entered into file; Resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Counter-The loan program is reflecting Business - XX Yr Fixed I/O - PPP. The Note is not reflecting IO. <br> Please provide an updated Note. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Received Interest Note, entered into file; Resolved. - Due Diligence Vendor-08/10/2022 <br>Resolved-Received Interest Note, entered into file; Resolved. - Due Diligence Vendor-03/09/2022<br>| XXXXXXXXXX XXXXX.XXX<br> XXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 304575 | N/A | N/A |
| XXXX | 217912 |  |  | Closed | 2022-03-03 07:15 | 2022-03-03 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-DSCR / reserves & credit Qual Worksheet received - finding resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Please provide income calculation/DSCR worksheet. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-DSCR / reserves & credit Qual Worksheet received - finding resolved - Due Diligence Vendor-03/03/2022<br>| XXXX- XXXX XXXXXXXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 304349 | N/A | N/A |
| XXXX | 217912 |  |  | Closed | 2022-03-03 07:31 | 2022-03-03 10:30 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Completed and executed initial and final XXXX - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Initial XXXX missing originator's signature. Please provide updated initial XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Completed and executed initial and final 1003 - Due Diligence Vendor-03/03/2022<br>| XXXXX XXXXXXXX XXXXXXX XXXX.XXX<br> XXXXX XXXXXXXX XXXXX XXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 309284 | N/A | N/A |
| XXXX | 154521 |  |  | Closed | 2022-03-17 12:30 | 2022-03-18 03:52 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Please replay back to acknowledge that this loan is a high priced transaction. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please replay back to acknowledge that this loan is a high priced transaction." - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-03/18/2022<br>| XXXXXXXXXX-XXXXXX-XXXX XXXX.XXX |  |  | WI | Primary Residence | Purchase | No Cash Out - Borrower Initiated | 316937 | N/A | N/A |
| XXXX | 628753 |  |  | Closed | 2022-03-15 15:27 | 2022-03-16 05:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Entered LE: Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Please provide a Loan Estimate for this file, Lone Estimate is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Entered LE: Resolved - Due Diligence Vendor-03/16/2022<br>| XXXXXXXXXX_XXXXXX XX_XXXXXXX XX XX X-XX & XXXXXX XX XX X-XX.XXX |  |  | PA | Primary Residence | Purchase | NA | 320024 | N/A | N/A |
| XXXX | 628753 |  |  | Closed | 2022-03-15 15:23 | 2022-03-16 05:25 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Sorry, the funder signed on the wrong place. This is an HPML Loan. - Seller-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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 disclosure in the file found on page XX indicates the loan is NOT HPML. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Sorry, the funder signed on the wrong place. This is an HPML Loan. - Seller-XX/XX/XXXX | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-03/16/2022<br>| XXXXXXXXXX_XXXXXX XX_XXXX XXXX.XXX |  |  | PA | Primary Residence | Purchase | NA | 320133 | N/A | N/A |
| XXXX | 628753 |  |  | Closed | 2022-03-15 15:24 | 2022-03-15 17:25 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing proof of hazard insurance | Resolved-Client provided hazard Insurance - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Hazard insurance is missing in the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Client provided hazard Insurance - Due Diligence Vendor-03/15/2022<br>| XXXXXXXXXX_XXXXXX XX_XXX.XXX |  |  | PA | Primary Residence | Purchase | NA | 320026 | N/A | N/A |
| XXXX | 120063 |  |  | Closed | 2022-03-10 15:40 | 2022-03-18 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Fraud Product | Resolved-Fraud Shield Found on page X of VCC Credit Report - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Fraud Shield found on page X of VCC Credit report - Buyer-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Fraud Shield Found on page 6 of XXXX Credit Report - Due Diligence Vendor-03/18/2022 |  |  |  | NJ | Investment | Refinance | Cash Out - Other | 343390 | N/A | N/A |
| XXXX | 745217 |  |  | Closed | 2022-03-11 14:31 | 2022-03-18 10:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Received Trailing Docs - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br> Open-Final/CTC HUD not in file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received Trailing Docs - Due Diligence Vendor-03/18/2022<br>| XXXXXXXXXX - XXXXX XXX XX XXXXX XXXXXXXXXX XXXXXXXXX (X).XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 345592 | N/A | N/A |
| XXXX | 187082 |  |  | Closed | 2022-03-11 09:02 | 2022-03-18 11:07 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Trailing Docs X.XX.XXXX - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Trailing Docs cleared X.XX.XXXX - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Uploaded bank statement showing sufficient funds - Buyer-XX/XX/XXXX <br> Open-Need additional month asset statement - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Trailing Docs 3.18.2022 - Due Diligence Vendor-03/18/2022 <br>Resolved-Trailing Docs cleared 3.18.2022 - Due Diligence Vendor-03/18/2022<br>| XXXXXXXXXXXX XX XXXXX (X).XXX |  |  | MD | Investment | Purchase | NA | 344522 | N/A | N/A |
| XXXX | 121832 |  |  | Closed | 2022-03-14 16:05 | 2022-03-18 11:11 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Lender provided a N/A comment that will be added to the asset and approval screen. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Loan is a Cash Out Refinance, there is no requirement for reserves or asset documentation - Buyer-XX/XX/XXXX <br> Open-No assets verification docs found in the file at time of review.<br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Lender provided a N/A comment that will be added to the asset and approval screen. - Due Diligence Vendor-03/18/2022<br>|  |  |  | AZ | Investment | Refinance | Cash Out - Other | 348199 | N/A | N/A |
| XXXX | 884684 |  |  | Closed | 2022-03-17 10:17 | 2022-03-17 12:03 | Resolved | 1 - Information C A | Credit | Data | Subject Transaction is a Cash Out Refinance but Borrower is Bringing Cash to Close | Resolved-Updated XXXX reflects Borrower is required at Close to provide $XXX,XXX.XX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX <br> Counter-You sent in post closing disclosure where borrower was refunded some money. Borrower had to bring in $XXX,XXX.XX initially from initial HUD. Please provide corrected XXXX - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-XXXX states this loan is a Cash-Out Refi, HUD-1 shows the borrower owes money at closing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Updated 1008 reflects Borrower is required at Close to provide $XXXX. Finding resolved. - Due Diligence Vendor-03/17/2022 | XXXXX XXXXXXX XXXXXXXXX.XXX<br> XXXX XXXXXXX XXXX.XXX<br> XXXXXXX XXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 353179 | N/A | N/A |
| XXXX | 884684 |  |  | Closed | 2022-03-17 10:11 | 2022-03-17 11:56 | Resolved | 1 - Information C A | Credit | Doc Issue | Title issue | Resolved-Updated title uploaded reflecting Title is vested in LLC. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hi XXXXXXX, attached please find Title vested in LLC, thanks. - Seller-XX/XX/XXXX <br> Open-Deed of Trust shows signature of LLC, Title shows the loan is vested in the Trustee - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi XXXXXXX, attached please find Title vested in LLC, thanks. - Seller-XX/XX/XXXX | Resolved-Updated title uploaded reflecting Title is vested in LLC. Finding resolved. - Due Diligence Vendor-03/17/2022<br>| XXXXXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 353180 | N/A | N/A |
| XXXX | 884684 |  |  | Closed | 2022-03-17 09:30 | 2022-03-17 11:54 | Resolved | 1 - Information C A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Corrected XXXX uploaded showing X Borrowers. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-The XXXX Page Number of Borrowers is X but the True Data Number of Borrowers is X. Verify the correct number of borrowers. XXXX shows X borrowers, tape data shows X borrower, there are three signatures on Note, X different XXXXs, and HUD shows all three signatures, are there supposed to be three borrowers on this loan? - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Corrected 1008 uploaded showing 3 Borrowers. Finding resolved. - Due Diligence Vendor-03/17/2022<br>| XXXXX-XXXXX XXXX XXXXXXXXXXX XXXXXXXX-X XXXXXXXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 353182 | N/A | N/A |
| XXXX | 782402 |  |  | Closed | 2022-03-21 09:29 | 2022-03-21 11:04 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC and PCCD received from lender. Entries updated, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). This loan failed the charges that cannot test due to an increase in Point - Loan Discount Fee in the amount of $X,XXX.XX without a valid Change of Circumstance Form on Revised LE X/XX/XXXX. Please provide COC, or tolerance refund check in the amount of $X,XXX.XX, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-COC and PCCD received from lender. Entries updated, resolved. - Due Diligence Vendor-03/21/2022<br>| XXXXX XXXXXXXX XXXXX XXXX.XXX<br> XXXXXXXXXX XXXXXXX XXXXXXXXXXX.XXX<br> XXXX XXXXXXX XXXX.XXX<br> XXXXX XXXXXXXX XXXXXXX XXXX.XXX<br> XXX XXX XXXXXX XX.XXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 352242 | N/A | N/A |
| XXXX | 627568 |  |  | Closed | 2022-03-23 08:03 | 2022-03-23 09:21 | Resolved | 1 - Information A | Credit | Data | Subject Transaction Occupancy is Investment or Second Home but one or more of the Borrowers Intends to Occupy as a Primary Residence | Resolved-Received Final XXXX with information correct, entered and resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Per final XXXX XA states borrower will occupy property as primary but loan is for investment, please confirm. - Due Diligence Vendor-XX/XX/XXXX <br> Open-The Occupancy on the XXXX Page is 'Investment' but one or more of the Borrowers has indicated an intent to occupy the property as a Primary Residence. Confirm the correct selections have been made. On XXXX Section X Occupancy is Investment Property but on Section X: Declarations Borrower is intent to Occupy the Property as Primary Residence. Please Provide the Corrected Final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Received Final 1003 with information correct, entered and resolved. - Due Diligence Vendor-03/23/2022 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/23/2022<br>| XXXXX XXXXXXXX XXXXX XXXX.XXX |  |  | FL | Investment | Purchase | NA | 352526 | N/A | N/A |
| XXXX | 627568 |  |  | Closed | 2022-03-23 08:02 | 2022-03-23 09:20 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Gender Selection is Not Provided | Resolved-Borrower X Gender Selection is Provided final XXXX provided gender: entered and resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Counter- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Borrower X Gender Selection is Not Provided Borrower Demographic Information section is Blank. Please Provide Updated XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Borrower 1 Gender Selection is Provided final 1003 provided gender: entered and resolved. - Due Diligence Vendor-03/23/2022<br>| XXXXX XXXXXXXX XXXXX XXXX.XXX<br> XXXXX XXXXXXXX XXXXX XXXX.XXX |  |  | FL | Investment | Purchase | NA | 352524 | N/A | N/A |
| XXXX | 627568 |  |  | Closed | 2022-03-22 08:11 | 2022-03-23 09:20 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower X Ethnicity Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Borrower X Ethnicity Selection is Not Provided Borrower Demographic Information section is Blank. Please Provide Updated XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-03/22/2022<br>| XXXXX XXXXXXXX XXXXX XXXX.XXX |  |  | FL | Investment | Purchase | NA | 352523 | N/A | N/A |
| XXXX | 627568 |  |  | Closed | 2022-03-22 08:11 | 2022-03-23 09:20 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Borrower X Race Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Borrower X Race Selection is Not Provided Borrower Demographic Information section is Blank. Please Provide Updated XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-03/22/2022<br>| XXXXX XXXXXXXX XXXXX XXXX.XXX |  |  | FL | Investment | Purchase | NA | 352525 | N/A | N/A |
| XXXX | 627568 |  |  | Closed | 2022-03-22 08:37 | 2022-03-22 17:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing credit report | Resolved-Credit Report is Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Credit Report is Missing Initial credit report used to qualify loan is not in the file - please provide<br> we have a supplemental on page XXX and the final credit report on page XXX pulled on X/X/XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Credit Report is Provided - Due Diligence Vendor-03/22/2022<br>| XXXXXXX XX XX-X-XX.XXX<br> XXXXX XX XX-XX-XX.XXX |  |  | FL | Investment | Purchase | NA | 357908 | N/A | N/A |
| XXXX | 824947 |  |  | Closed | 2022-03-22 08:41 | 2022-05-24 16:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing credit report | Resolved-Credit Report is Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Client provided credit report - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Credit Report is Missing Initial credit report used to qualify loan not in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Credit Report is Provided - Due Diligence Vendor-05/24/2022 <br>Resolved-Client provided credit report - Due Diligence Vendor-03/22/2022<br>| XXXXXXX XXXXXX XXXXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 360295 | N/A | N/A |
| XXXX | 981610 |  |  | Closed | 2022-04-20 09:43 | 2022-04-21 13:30 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hi XXXXXXXX, there is an extra replacement cost up to $XX,XXX. So the total is $XXX,XX in coverage (XXX,XXX + XX,XXX = XXX,XXX) - Seller-XX/XX/XXXX <br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi XXXXXXXX, there is an extra replacement cost up to $XX,XXX. So the total is $XXX,XX in coverage (XXX,XXX + XX,XXX = XXX,XXX) - Seller-XX/XX/XXXX | Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-04/21/2022 | XXXXXXXXXX_XXXXXXX_XXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 362491 | N/A | N/A |
| XXXX | 731342 |  |  | Closed | 2022-03-23 06:57 | 2022-08-10 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing credit report | Resolved-Credit Report is Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Credit Report is Missing in the file please provide - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Credit Report is Provided - Due Diligence Vendor-03/23/2022<br>| XXXXXX XXXXXX.XXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 354347 | N/A | N/A |
| XXXX | 309033 |  |  | Closed | 2022-04-01 11:30 | 2022-04-04 08:44 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC letter dated X/XX/XXXX received; reports are elevated, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached thanks. - Seller-XX/XX/XXXX <br> Counter-\*\*\*This loan failed the charges that cannot increase test due to the points fee added to the final CD and PCCD in the amount of $X,XXX.XX without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Please upload COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope.\*\*\* - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). This loan failed the charges that cannot increase test due to the points fee added to the final CD in the amount of $X,XXX.XX without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Please upload COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached thanks. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-COC letter dated XXXX received; reports are elevated, resolved. - Due Diligence Vendor-04/04/2022 | XXXXX XXXXXXX XXXXXXXXX.XXX<br> XXXX.XXX<br> XXX XXX XXXXXXX XX XX-XX-XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 369423 | N/A | N/A |
| XXXX | 309033 |  |  | Closed | 2022-03-28 10:39 | 2022-04-04 08:42 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. To be addressed in finding - XXXX - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |  | Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. To be addressed in finding - XXXX - Due Diligence Vendor-03/28/2022 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 369421 | N/A | N/A |
| XXXX | 309033 |  |  | Closed | 2022-03-28 10:39 | 2022-04-04 08:42 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. To be addressed in finding - XXXX - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |  | Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. To be addressed in finding - XXXX - Due Diligence Vendor-03/28/2022 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 369422 | N/A | N/A |
| XXXX | 130230 |  |  | Closed | 2022-04-04 13:43 | 2022-08-10 07:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided Borrower X Xrd Party VOE uploaded. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing Missing VOE showing business is active within XX days of closing date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided Borrower 1 3rd Party VOE uploaded. Finding resolved. - Due Diligence Vendor-04/05/2022<br>| XXXXXXXXXX_XXXX_XXXX XXXXXXXXX XXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 368239 | N/A | N/A |
| XXXX | 130230 |  |  | Closed | 2022-04-04 13:41 | 2022-04-05 08:25 | Resolved | 1 - Information C A | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | Resolved-HPML was provided and entered into the system. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Yes, HPML loan - Seller-XX/XX/XXXX <br> Open-This loan failed the MD COMAR higher-priced mortgage loan test. (XXXXXXXX COMAR XX.XX.XX.XXB(XX) , COMAR XX.XX.XX.XXB(X)) <br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXXXXXXX Regulations (COMAR).<br>While the XXXXXXXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the MD COMAR higher-priced mortgage loan test. (XXXXXXXX COMAR XX.XX.XX.XXB(XX) , COMAR XX.XX.XX.XXB(X)) <br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXXXXXXX Regulations (COMAR).<br>While the XXXXXXXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please acknowledge this is a HMPL loan, the disclosure was not signed on page XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Yes, HPML loan - Seller-XX/XX/XXXX | Resolved-HPML was provided and entered into the system. - Due Diligence Vendor-04/05/2022<br>| XXXXXXXXXX_XXXX_XXXX XXXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 365503 | N/A | N/A |
| XXXX | 876514 |  |  | Closed | 2022-04-20 12:26 | 2022-08-10 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 1040 Schedule E Missing | Resolved-Borrower X XXXX Schedule E Provided Two year WX provided with tax transcripts and XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Two year WX provided with tax transcripts and XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hi XXXXXXX, borrower is self employed. There is no XXXX - Seller-XX/XX/XXXX <br> Open-Borrower X XXXX Schedule E Missing Please provide tax return with schedule E for rental income - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi XXXXXXX, borrower is self employed. There is no XXXX - Seller-XX/XX/XXXX | Resolved-Borrower 1 1040 Schedule E Provided Two year W2 provided with tax transcripts and 4506. Finding resolved. - Due Diligence Vendor-04/21/2022 <br> Resolved-Two year W2 provided with tax transcripts and 4506. Finding resolved. - Due Diligence Vendor-04/21/2022 | XXXXXXXXXX_XXXXX_XXXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 366523 | N/A | N/A |
| XXXX | 876514 |  |  | Closed | 2022-04-20 12:24 | 2022-08-10 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Two year WX provided with tax transcripts and XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Hi XXXXXXX, borrower is self employeed. - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing For borrower wage income please provide Xrd party VOE - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Hi XXXXXXX, borrower is self employeed. - Seller-XX/XX/XXXX | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/21/2022 <br>Resolved-Two year W2 provided with tax transcripts and 4506. Finding resolved. - Due Diligence Vendor-04/21/2022<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 366524 | N/A | N/A |
| XXXX | 876514 |  |  | Closed | 2022-04-20 12:27 | 2022-08-10 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-Borrower X Personal Tax Returns Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Two year WX provided with tax transcripts and XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Borrower is self employed. There is no personal tax - Seller-XX/XX/XXXX <br> Open-Borrower X Personal Tax Returns Missing Please provide tax return with schedule E for rental income - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Borrower is self employed. There is no personal tax - Seller-XX/XX/XXXX | Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-04/21/2022 <br>Resolved-Two year W2 provided with tax transcripts and 4506. Finding resolved. - Due Diligence Vendor-04/21/2022<br>| XXXXXXXXXX_XXXXX_XXXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 366525 | N/A | N/A |
| XXXX | 736002 |  |  | Closed | 2022-04-11 13:35 | 2022-04-13 07:45 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Lenders Credit was shown on CD for the $XXX increase for Appraisal Fee. Updated system to reflect the credit for the increase. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hi XXXXXXXXX, a cure of $XXX was already applied. Please see on page X of CD on the bottom showing a cure of $XXX. - Seller-XX/XX/XXXX <br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). This loan failed the charges that cannot test due to an Increase in Appraisal fee in the amount of $XXX without a valid Change of Circumstance Form on CD XX/XX/XXXX. Please provide COC, or tolerance refund check in the amount of $XXX<br> - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi XXXXXXXXX, a cure of $XXX was already applied. Please see on page X of CD on the bottom showing a cure of $XXX. - Seller-XX/XX/XXXX | Resolved-Lenders Credit was shown on CD for the $XXXX increase for Appraisal Fee. Updated system to reflect the credit for the increase. - Due Diligence Vendor-04/13/2022 | XXXXXXXXXX_XXXXXX_XXXXX XX XXXXXXX X XXXX XX $XXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 366043 | N/A | N/A |
| XXXX | 736002 |  |  | Closed | 2022-04-11 13:37 | 2022-04-13 07:45 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Lenders Credit was shown on CD for the $XXX increase for Appraisal Fee. Updated system to reflect the credit for the increase. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Cure of $XXX has already been applied. - Seller-XX/XX/XXXX <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cure of $XXX has already been applied. - Seller-XX/XX/XXXX | Resolved-Lenders Credit was shown on CD for the $XXXX increase for Appraisal Fee. Updated system to reflect the credit for the increase. - Due Diligence Vendor-04/13/2022 | XXXXXXXXXX_XXXXXX_XXXXX XX XXXXXXX X XXXX XX $XXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 366040 | N/A | N/A |
| XXXX | 736002 |  |  | Closed | 2022-04-11 13:37 | 2022-04-13 07:45 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Lenders Credit was shown on CD for the $XXX increase for Appraisal Fee. Updated system to reflect the credit for the increase. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Cure of $XXX has already been applied. - Seller-XX/XX/XXXX <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cure of $XXX has already been applied. - Seller-XX/XX/XXXX | Resolved-Lenders Credit was shown on CD for the $XXXX increase for Appraisal Fee. Updated system to reflect the credit for the increase. - Due Diligence Vendor-04/13/2022 | XXXXXXXXXX_XXXXXX_XXXXX XX XXXXXXX X XXXX XX $XXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 366042 | N/A | N/A |
| XXXX | 736002 |  |  | Closed | 2022-04-11 13:36 | 2022-04-13 07:44 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; Missing changed circumstance documentation. | Resolved-Lenders Credit was shown on CD for the $XXX increase for Appraisal Fee. Updated system to reflect the credit for the increase. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The cure is of only $XXX, not $XXX and it has already been applied. Please see on page X of CD on the bottom showing a cure of $XXX. - Seller-XX/XX/XXXX <br> Open-This loan failed the charges that cannot test due to an Increase in Appraisal fee in the amount of $XXX without a valid Change of Circumstance Form on CD XX/XX/XXXX. Please provide COC, or tolerance refund check in the amount of $XXX<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The cure is of only $XXX, not $XXX and it has already been applied. Please see on page X of CD on the bottom showing a cure of $XXX. - Seller-XX/XX/XXXX | Resolved-Lenders Credit was shown on CD for the $XXXX increase for Appraisal Fee. Updated system to reflect the credit for the increase. - Due Diligence Vendor-04/13/2022 | XXXXXXXXXX_XXXXXX_XXXXX XX XXXXXXX X XXXX XX $XXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 366056 | N/A | N/A |
| XXXX | 600803 |  |  | Closed | 2022-03-28 09:28 | 2022-08-10 07:37 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected As per lender guidelines if UCDP risk score less than X.X we don't require second appraisal. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected As per lender guidelines if UCDP risk score less than 2.5 we don't require second appraisal. - Due Diligence Vendor-03/28/2022<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 369148 | N/A | N/A |
| XXXX | 600803 |  |  | Closed | 2022-03-28 09:28 | 2022-08-10 07:37 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per lender guidelines if UCDP risk score less than X.X we don't require second appraisal. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per lender guidelines if UCDP risk score less than 2.5 we don't require second appraisal. - Due Diligence Vendor-03/28/2022<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 369149 | N/A | N/A |
| XXXX | 827211 |  |  | Closed | 2022-04-05 10:30 | 2022-04-06 10:30 | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Please provide the snippet showing which DSCR program this loan falls under - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX |  | XXXX- XXXXXXX XXXX.XXX |  |  | FL | Investment | Refinance | Cash Out - Other | 382265 | N/A | N/A |
| XXXX | 827211 |  |  | Closed | 2022-04-05 14:04 | 2022-04-06 07:41 | Resolved | 1 - Information C A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Per guidelines, Derogatory consumer credit does not need to be addressed, except where a XX day mortgage late is allowed in program. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Hello, please be advised per guidelines for a DSCR, if the borrower is XxXXxXX we are not required to set up for pay off. - Seller-XX/XX/XXXX <br> Open-Please provide proof of collection paid in full to XXXXXXXX XXXXXXXXX in the amount of $XXXX Thank you. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Hello, please be advised per guidelines for a DSCR, if the borrower is XxXXxXX we are not required to set up for pay off. - Seller-XX/XX/XXXX | Resolved-Per guidelines, Derogatory consumer credit does not need to be addressed, except where a 30 day mortgage late is allowed in program. Finding resolved. - Due Diligence Vendor-04/06/2022<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 381677 | N/A | N/A |
| XXXX | 600539 |  |  | Closed | 2022-04-11 14:56 | 2022-08-10 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/13/2022<br>| XXXXXXXXXX_XXXXX_XXXX XXXXXXXX XXXXXXXXXXXX.XXX |  |  | AZ | Primary Residence | Purchase | NA | 387904 | N/A | N/A |
| XXXX | 600539 |  |  | Closed | 2022-04-11 14:53 | 2022-04-13 07:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Document received it is a High-priced loan, updated in system. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Yes, HPML Loan - XXXXXX-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please reply to acknowledge that this loan is a high-priced transaction - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Yes, HPML Loan - XXXXXX-XX/XX/XXXX | Resolved-Document received it is a High-priced loan, updated in system. - Due Diligence Vendor-04/13/2022<br>| XXXXXXXXXX_XXXXX_XXXX XXXX.XXX |  |  | AZ | Primary Residence | Purchase | NA | 388600 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 11:04 | 2022-08-10 08:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing, Please Provide VOE, - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389297 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 11:08 | 2022-08-10 08:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower X CPA Letter Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Borrower X CPA Letter Missing Borrower CPA letter as well as Income Worksheet is missing in the file. Please Provide - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXXXXXXX XXXXXXX & XXX.XXX<br> XXXXXXXXXX_XXXX_XX XX.XXX<br> XXXXXXXXXX_XXXX_XX XXXXXX XXXX XXXXXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389298 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 11:00 | 2022-08-10 07:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-The Final XXXX is Missing Final XXXX is missing in the file, I have updated Final XXXX screen from Initial XXXX page no. XX. Please Provide final XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXXXX XXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389223 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 11:02 | 2022-04-14 10:29 | Resolved | 1 - Information C A | Credit | Credit | Missing purchase contract and/or addendums. | Resolved-Purchase Contract uploaded. Property screen updated. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Purchase Contract is missing in the file, Please Provide - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Purchase Contract uploaded. Property screen updated. Finding resolved. - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXXXXXXX XXXXXXXX & XXXXXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389690 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 10:52 | 2022-04-14 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Tax Cert uploaded. Title screen updated. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Missing Evidence of Property Tax, Please Provide - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/14/2022 <br>Resolved-Tax Cert uploaded. Title screen updated. Finding resolved. - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXX XXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389429 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 10:53 | 2022-04-14 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Title document uploaded. Title screen updated. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Title Document is missing, Please provide - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Title Document is fully Present - Due Diligence Vendor-04/14/2022 <br>Resolved-Title document uploaded. Title screen updated. Finding resolved. - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXXXX XXXXXXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389430 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 10:54 | 2022-04-14 10:16 | Resolved | 1 - Information A | Credit | Missing Doc | Third Party Fraud Report not Provided | Rescinded-Third Party Fraud Report is provided Third Party Fraud report not required. Finding rescinded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Hi XXXXX, this is not require. Our management and XXXXXX already agreed that this is not needed. Please check with your management. - XXXXXX-XX/XX/XXXX <br> Open-Missing Third Party Fraud Report, Please Provide - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Hi XXXXX, this is not require. Our management and XXXXXX already agreed that this is not needed. Please check with your management. - XXXXXX-XX/XX/XXXX | Rescinded-Third Party Fraud Report is provided Third Party Fraud report not required. Finding rescinded. - Due Diligence Vendor-04/14/2022<br>|  |  |  | FL | Primary Residence | Purchase | NA | 389558 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 10:50 | 2022-04-14 09:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Flood Cert provided. Updated Property Insurance screen. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Missing Flood Certificate Flood Certificate is missing in the file. Please Provide - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/14/2022 <br>Resolved-Flood Cert provided. Updated Property Insurance screen. Finding resolved. - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXXXX XXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389446 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 10:51 | 2022-04-14 09:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Hazard Insurance provided. Updated Property Insurance screen. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Missing Hazard Insurance Policy, Please Provide - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/14/2022 <br>Resolved-Hazard Insurance provided. Updated Property Insurance screen. Finding resolved. - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389447 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 11:08 | 2022-04-14 08:01 | Resolved | 1 - Information A | Credit | Data | Qualifying LTV % does not match 1008 Page LTV %. | Resolved-XXXX provided. XXXX screen updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Diligence Final Look Page Qualifying LTV is XX% but the XXXX Page Qualifying LTV is %. Please confirm the correct qualifying property value flag was chosen. XXXX is missing in the file, Please Provide. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-1008 provided. 1008 screen updated. Finding resolved. - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389564 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 11:01 | 2022-04-14 06:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Rec'd and entered into LM - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Initial Loan Estimate is missing in the file, Please Provide - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Rec'd and entered into XXXX - Due Diligence Vendor-04/14/2022 | XXXXXXXXXX_XXXX_XXXXXXX XX XX X-X XXX XXXXXXX XX XX X-X.XXX |  |  | FL | Primary Residence | Purchase | NA | 389685 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 11:03 | 2022-04-14 05:34 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Entered information: resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Security Instrument Date does not match the Note Date DOT and Note is missing in file - Due Diligence Vendor-XX/XX/XXXX <br> Open-Security Instrument Date does not match the Note Date - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Entered information: resolved. - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXXX.XXX<br> XXXXXXXXXX_XXXX_XXXXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389271 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 10:59 | 2022-04-14 05:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Note is Missing Note is missing in file, Please Provide - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-The Note is Present - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389257 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 10:59 | 2022-04-14 05:21 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The XXXX document is missing from the loan file. Please Provide - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389227 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 11:03 | 2022-04-14 05:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Deed of Trust is Missing, Please Provide - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXXXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389270 | N/A | N/A |
| XXXX | 669078 |  |  | Closed | 2022-04-13 10:55 | 2022-04-14 05:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Entered into LM Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Homeownership Counseling Disclosure Is Missing. Please Provide - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Entered into XXXX Resolved - Due Diligence Vendor-04/14/2022 <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/14/2022 | XXXXXXXXXX_XXXX_XXXXXXXXX XXXXXXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 389661 | N/A | N/A |
| XXXX | 575073 |  |  | Closed | 2022-04-11 15:22 | 2022-08-10 07:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower X CPA Letter Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Updated employment screen - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X CPA Letter Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-04/12/2022 <br>Resolved-Updated employment screen - Due Diligence Vendor-04/12/2022<br>| XXXXXXXXXX_XXXXXXXX_XXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 388027 | N/A | N/A |
| XXXX | 575073 |  |  | Closed | 2022-04-11 15:20 | 2022-04-13 07:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Document (HPML) received it is a High-priced loan - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please reply to acknowledge that this loan is a high-priced transaction. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX | Resolved-Document (HPML) received it is a High-priced loan - Due Diligence Vendor-04/13/2022<br>| XXXXXXXXXX_XXXXXXXX_XXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 388912 | N/A | N/A |
| XXXX | 575073 |  |  | Closed | 2022-04-11 15:21 | 2022-04-13 07:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-HPML received stating it is a High-Priced Loan - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX <br> Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))<br> 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> 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. Please reply to acknowledge that this loan is a high-priced transaction - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))<br> 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> 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. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX | Resolved-HPML received stating it is a High-Priced Loan - Due Diligence Vendor-04/13/2022<br>| XXXXXXXXXX_XXXXXXXX_XXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 388915 | N/A | N/A |
| XXXX | 966429 |  |  | Closed | 2022-04-20 07:43 | 2022-08-10 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower X CPA Letter Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Borrower X CPA letter provided. Employment Income screen updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please advise if there is something wrong with this letter. Thanks - Seller-XX/XX/XXXX <br> Open-Borrower X CPA Letter Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please advise if there is something wrong with this letter. Thanks - Seller-XX/XX/XXXX | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-04/22/2022 <br>Resolved-Borrower 1 CPA letter provided. Employment Income screen updated. Finding resolved. - Due Diligence Vendor-04/22/2022<br>| XXXXXXXXXX_XXXXXX_XXX XXXXXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 393476 | N/A | N/A |
| XXXX | 966429 |  |  | Closed | 2022-04-29 14:21 | 2022-08-10 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. All self employed people need to do is prove that their business still exists within XX days of note. They do not have to have a third party VOE. <br> There is a on-line website we obtained in the file dated X/XX/XX which is acceptable for that condition. <br> - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. All self employed people need to do is prove that their business still exists within XX days of note. They do not have to have a third party VOE. <br> There is a on-line website we obtained in the file dated X/XX/XX which is acceptable for that condition. <br> - Seller-XX/XX/XXXX | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/02/2022<br>| XXXXXXXXXX_XXXXXX_XXXXX XX XXXXXXXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 396018 | N/A | N/A |
| XXXX | 966429 |  |  | Closed | 2022-04-08 09:10 | 2022-08-10 10:55 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected <br> One full Appraisal Updated and CU score is Below X.X As pe the Gridlines secondary values not required <br> - Due Diligence Vendor-XX/XX/XXXX <br> Open-No Secondary Value or Additional Review Products have been selected - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected <br> One full Appraisal Updated and CU score is Below 2.5 As pe the Gridlines secondary values not required <br> - Due Diligence Vendor-04/08/2022<br>|  |  |  | MD | Primary Residence | Purchase | NA | 390617 | N/A | N/A |
| XXXX | 966429 |  |  | Closed | 2022-04-08 09:10 | 2022-08-10 10:55 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. <br> One full Appraisal Updated and CU score is Below X.X As pe the Gridlines secondary values not required <br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-08/10/2022<br>|  |  |  | MD | Primary Residence | Purchase | NA | 390618 | N/A | N/A |
| XXXX | 966429 |  |  | Closed | 2022-04-20 08:14 | 2022-04-20 13:31 | Resolved | 1 - Information C A | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-This loan failed the MD COMAR higher-priced mortgage loan test. (XXXXXXXX COMAR XX.XX.XX.XXB(XX) , COMAR XX.XX.XX.XXB(X)) <br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXXXXXXX Regulations (COMAR).<br>While the XXXXXXXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the MD COMAR higher-priced mortgage loan test. (XXXXXXXX COMAR XX.XX.XX.XXB(XX) , COMAR XX.XX.XX.XXB(X)) <br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXXXXXXX Regulations (COMAR).<br>While the XXXXXXXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please replay back to acknowledge that this loan is a high priced transaction. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-04/20/2022<br>| XXXXXXXXXX-XXXXXX_XXXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 391159 | N/A | N/A |
| XXXX | 966429 |  |  | Closed | 2022-04-20 08:13 | 2022-04-20 13:31 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please replay back to acknowledge that this loan is a high priced transaction. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-04/20/2022<br>| XXXXXXXXXX-XXXXXX_XXXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 391158 | N/A | N/A |
| XXXX | 535405 |  |  | Closed | 2022-05-10 06:39 | 2022-05-12 09:21 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-DTI qualified with net rental income. DTI X%/XX.XXX% supported by XXXX. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Would you please send to me your DTI calculations so i can double check numbers. Thanks - Seller-XX/XX/XXXX <br> Open-Provide Updated XXXX because PITIA not mention , Hence DTI not matching - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Would you please send to me your DTI calculations so i can double check numbers. Thanks - Seller-XX/XX/XXXX | Resolved-DTI qualified with net rental income. DTI 0%/25.071% supported by 1008. - Due Diligence Vendor-05/12/2022<br>|  |  |  | CA | Investment | Purchase | NA | 394010 | N/A | N/A |
| XXXX | 535405 |  |  | Closed | 2022-04-26 13:10 | 2022-05-12 09:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Initial XXXX provided. XXXX screen updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Initial XXXX is Missing Initial XXXX not found in entire file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/26/2022 <br>Resolved-Initial 1003 provided. 1003 screen updated. Finding resolved. - Due Diligence Vendor-04/26/2022<br>| XXXXXXXXXX_XXXXXX_XXXX-XXXX.XXX |  |  | CA | Investment | Purchase | NA | 391799 | N/A | N/A |
| XXXX | 791629 |  |  | Closed | 2022-04-08 11:28 | 2022-08-10 08:23 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Open-No Secondary Value or Additional Review Products have been selected As per GLS If Cu Score is less than X.X do not required secondary value - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-08/10/2022<br>|  |  |  | TX | Primary Residence | Purchase | NA | 391076 | N/A | N/A |
| XXXX | 791629 |  |  | Closed | 2022-04-08 11:28 | 2022-08-10 08:23 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per GLS If Cu Score is less than X.X do not required secondary value - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-08/10/2022<br>|  |  |  | TX | Primary Residence | Purchase | NA | 391077 | N/A | N/A |
| XXXX | 791629 |  |  | Closed | 2022-04-14 10:18 | 2022-04-14 13:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hi XXXXXXXX, this is also on page XXX of the package and signed as a HPML Loan. - Seller-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please reply to acknowledge that this loan is a high-priced transaction - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi XXXXXXXX, this is also on page XXX of the package and signed as a HPML Loan. - Seller-XX/XX/XXXX | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXX_XXXX XXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 391410 | N/A | N/A |
| XXXX | 549313 |  |  | Closed | 2022-04-11 12:46 | 2022-08-10 08:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided. Updated Employment Income screen. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. Updated Employment Income screen. Finding resolved. - Due Diligence Vendor-04/12/2022 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/12/2022<br>| XX XXXX.XXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 392782 | N/A | N/A |
| XXXX | 549313 |  |  | Closed | 2022-04-19 14:45 | 2022-04-20 16:12 | Resolved | 1 - Information A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Resolved-Qualified Mortgage Lending Policy Points and Fees Test Finding is not applicable because loan is NON-QM, it is not a Qualified Mortgage. This finding is rescinded. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX <br> Rescinded-Non QM loan, rescinded. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX.XX(e)(X))The loan amount is $XXX,XXX.XX or more, and the transaction's total points and fees is $XX,XXX.XX, which exceeds X percent of the total loan amount of $XXX,XXX.XX; orThe loan amount is less than $XXX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $XX,XXX.XX, which exceeds $X,XXX.XX; orThe loan amount is less than $XX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $XX,XXX.XX, which exceeds X percent of the total loan amount of $XXX,XXX.XX; orThe loan amount is less than $XX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $XX,XXX.XX, which exceeds $X,XXX.XX; orThe loan amount is less than $XX,XXX.XX and the transaction's total points and fees is $XX,XXX.XX, which exceeds X percent of the total loan amount of $XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX | Resolved-Qualified Mortgage Lending Policy Points and Fees Test Finding is not applicable because loan is NON-QM, it is not a Qualified Mortgage. This finding is rescinded. - Due Diligence Vendor-04/20/2022 <br>Rescinded-Non QM loan, rescinded. - Due Diligence Vendor-04/12/2022<br>| XXXXXXXXXX XXXXXX.XXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 395278 | N/A | N/A |
| XXXX | 549313 |  |  | Closed | 2022-04-11 12:45 | 2022-04-19 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX uploaded. Updated XXXX screen and Credit Liabilities screen. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-1008 uploaded. Updated 1008 screen and Credit Liabilities screen. Finding resolved. - Due Diligence Vendor-04/12/2022 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/12/2022<br>| XXXX.XXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 392623 | N/A | N/A |
| XXXX | 549313 |  |  | Closed | 2022-04-18 09:14 | 2022-04-19 06:54 | Resolved | 1 - Information A | Compliance | Points & Fees | TILA Finance Charge Test | Ready for Review-Hello, please be advised The Appraisal review is NOT an APR Fee \*\*it's the same as the appraisal report and/or XXXXD fee==none are APR fees, thanks. <br>- Seller-XX/XX/XXXX <br> Counter-Per report and our testing Appraisal Review was not marked as a finance charge, please provide either clarification or acceptable refund documentation for this finance charge test fail. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Verifying RXR please do not resolve this condition - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, see attached we have a Mavent TILA pass done on closing date of X-XX, thanks. <br> - Seller-XX/XX/XXXX <br> Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Hello, please be advised The Appraisal review is NOT an APR Fee \*\*it's the same as the appraisal report and/or XXXXD fee==none are APR fees, thanks. <br>- Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, see attached we have a Mavent TILA pass done on closing date of X-XX, thanks. <br> - Seller-XX/XX/XXXX |  | XXXXXXXXXX XXXXXX.XXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 395276 | N/A | N/A |
| XXXX | 549313 |  |  | Closed | 2022-04-12 06:45 | 2022-04-19 06:54 | Resolved | 1 - Information A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Rescinded-Addressed in finding XXX - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX |  | Rescinded-Addressed in finding XXXX - Due Diligence Vendor-04/12/2022 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 395277 | N/A | N/A |
| XXXX | 549313 |  |  | Closed | 2022-04-12 06:45 | 2022-04-19 06:54 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-Addressed in finding XXXX - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |  | Rescinded-Addressed in finding XXXX - Due Diligence Vendor-04/12/2022 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 395279 | N/A | N/A |
| XXXX | 549313 |  |  | Closed | 2022-04-12 06:45 | 2022-04-19 06:54 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-Addressed in finding XXXX - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |  | Rescinded-Addressed in finding XXXX - Due Diligence Vendor-04/12/2022 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 395280 | N/A | N/A |
| XXXX | 549313 |  |  | Closed | 2022-04-12 11:59 | 2022-04-13 17:51 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC date updated to final CD, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached thanks. - Seller-XX/XX/XXXX <br> Open-This loan failed the charges that cannot increase test due to an increase in the points fee in the amount of $X,XXX without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Please upload COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX,XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached thanks. - Seller-XX/XX/XXXX | Resolved-COC date updated to final CD, resolved. - Due Diligence Vendor-04/13/2022<br>| XXX & XX XX-XX-XXXX.XXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 395281 | N/A | N/A |
| XXXX | 549313 |  |  | Closed | 2022-04-11 12:45 | 2022-04-12 08:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial and Revised LE's received and updated to review. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Missing Initial LE. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Initial and Revised LE's received and updated to review. Resolved. - Due Diligence Vendor-04/12/2022<br>| XX'X.XXX<br> XXX'X XXX XX XX-XX & XX-XX.XXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 393692 | N/A | N/A |
| XXXX | 834676 |  |  | Closed | 2022-05-26 10:18 | 2022-08-10 14:04 | Resolved | 1 - Information A | Credit | Closing | Gap Credit Report Within 10 Days of Closing is Expired | Resolved-Gap Credit Report Date of null is less than or equal to XX days from Transaction Date of XX-XX-XXXX and Gap Report Doc Status is NA - Due Diligence Vendor-XX/XX/XXXX <br> Open-Gap Credit Report Date of XX-XX-XXXX is greater than XX days from Transaction Date of XX-XX-XXXX and Gap Report Doc Status is Present - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Gap Credit Report Date of null is less than or equal to 10 days from Transaction Date of XXXX and Gap Report Doc Status is NA - Due Diligence Vendor-05/26/2022 |  |  |  | OR | Primary Residence | Purchase | NA | 473398 | N/A | N/A |
| XXXX | 834676 |  |  | Closed | 2022-05-13 06:36 | 2022-05-13 10:44 | Resolved | 1 - Information A | Credit | Title | Title Effective Date is greater than Note Date | Resolved-Title provided has effective date of note date; resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Title Effective Date is greater than Note Date of XX-XX-XXXX The Title uploaded has an Effective Date of March XX, XXXX. That is greater than the Note Date of XX/XX/XXXX. Please provide a corrected Title. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Title provided has effective date of note date; resolved. - Due Diligence Vendor-05/13/2022<br>| XX_XXXXXXXXXXX_XXXXX_XXXXXX_XXXX_X.XXX |  |  | OR | Primary Residence | Purchase | NA | 419717 | N/A | N/A |
| XXXX | 834676 |  |  | Closed | 2022-04-25 07:08 | 2022-04-25 07:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Title document uploaded. Title screen updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX <br> Counter-Document will not open- receiving an error message <br>AccessDenied<br> Access Denied<br> WXXXXWGXJHXXXXXX<br> /XddGnSGXfMRsIOYDrMSsiFcxTXPrZckrpu/PXYtXaeXkXblKsmNrpUW/dLWoAMkzVZQcXmXDHE=<br>- Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX <br> Open-Title Document is missing. Please provide.<br> We must never use Supplemental report to populate Title Screen. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX | Resolved-Title Document is fully Present - Due Diligence Vendor-04/25/2022 <br>Resolved-Title document uploaded. Title screen updated. Finding resolved. - Due Diligence Vendor-04/25/2022<br>| XXXXX XXXXXX.XXX<br> XXXXX XXXXXX.XXX |  |  | OR | Primary Residence | Purchase | NA | 393389 | N/A | N/A |
| XXXX | 834676 |  |  | Closed | 2022-04-20 08:52 | 2022-04-20 16:11 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Entered corrected date - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See attached, same items that were initially shipped to Selene. - Seller-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XX CFR §XXXX.XX(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXX.XX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. XX/XX/XXXX date is confirmed on the document. Page XXX - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XX CFR §XXXX.XX(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXX.XX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached, same items that were initially shipped to Selene. - Seller-XX/XX/XXXX | Resolved-Entered corrected date - Due Diligence Vendor-04/20/2022 <br> Rescinded-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. XXXX date is confirmed on the document. Page 348 - Due Diligence Vendor-04/11/2022 | XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXXX.XXX |  |  | OR | Primary Residence | Purchase | NA | 393820 | N/A | N/A |
| XXXX | 834676 |  |  | Closed | 2022-04-20 08:56 | 2022-04-20 16:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please reply to acknowledge that this loan is a high-priced transaction. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-04/20/2022<br>| XXXX XXXXXXX XXXX.XXX |  |  | OR | Primary Residence | Purchase | NA | 393819 | N/A | N/A |
| XXXX | 844007 |  |  | Closed | 2022-04-14 15:16 | 2022-08-10 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Updated employment screen - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing Provide it - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/15/2022 <br>Resolved-Updated employment screen - Due Diligence Vendor-04/15/2022<br>| XXXXXXXXXX_XXXXX XXXXX_XXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 396709 | N/A | N/A |
| XXXX | 844007 |  |  | Closed | 2022-04-19 09:03 | 2022-04-19 13:40 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated XXXX uploaded. Updated XXXX screen. No DTI discrepancy. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-Please provide an updated XXXX as it appears the flood insurance was factored in twice at $XXX. The flood insurance policy provided is for $XXX premium. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Hi XXXX, so you got a lower DTI? Please advise how you get that and what you want our UW to do to get this clear. - Seller-XX/XX/XXXX <br> Open-All liabilities and income updated there is discrepancy in DTI as per the XXXX DTI is XX.XXX but in diligence XX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Hi XXXX, so you got a lower DTI? Please advise how you get that and what you want our UW to do to get this clear. - Seller-XX/XX/XXXX | Resolved-Updated 1008 uploaded. Updated 1008 screen. No DTI discrepancy. Finding resolved. - Due Diligence Vendor-04/19/2022<br>| XXXXXXXXXX_XXXXX XXXXX_XXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 397186 | N/A | N/A |
| XXXX | 844007 |  |  | Closed | 2022-04-14 11:21 | 2022-04-14 13:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. "Please replay back to acknowledge that this loan is a high priced transaction."<br>- Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-04/14/2022<br>| XXXXXXXXXX_XXXXX XXXXX_XXXXXXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 397173 | N/A | N/A |
| XXXX | 205315 |  |  | Closed | 2022-04-15 12:42 | 2022-08-10 08:28 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected On UCDP page XX risk score is X so CDA is not required - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-08/10/2022 <br> Rescinded-No Secondary Value or Additional Review Products have been selected On UCDP page 95 risk score is 1 so CDA is not required - Due Diligence Vendor-04/15/2022 |  |  |  | MD | Primary Residence | Purchase | NA | 404364 | N/A | N/A |
| XXXX | 205315 |  |  | Closed | 2022-04-15 12:42 | 2022-08-10 08:28 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. On UCDP page XX risk score is X so CDA is not required - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. On UCDP page 95 risk score is 1 so CDA is not required - Due Diligence Vendor-04/15/2022<br>|  |  |  | MD | Primary Residence | Purchase | NA | 404365 | N/A | N/A |
| XXXX | 205315 |  |  | Closed | 2022-04-21 14:01 | 2022-04-22 09:02 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Document uploaded supporting EMD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hi Wantaise, these are on page XXX-XXX. Is this not suffice for the EMD of $XX,XXX? - Seller-XX/XX/XXXX <br> Open-Please provide evidence of $XX,XXX cash deposit. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi Wantaise, these are on page XXX-XXX. Is this not suffice for the EMD of $XX,XXX? - Seller-XX/XX/XXXX | Resolved-Document uploaded supporting EMD. Finding resolved. - Due Diligence Vendor-04/22/2022<br>| XXXXXXXXXX_XX XX XXXX XXXXX_XXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 410619 | N/A | N/A |
| XXXX | 172040 |  |  | Closed | 2022-04-15 10:00 | 2022-08-10 06:11 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected Aa per XXXXXXXX Second appraisal no need - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-06/09/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected Aa per guideline Second appraisal no need - Due Diligence Vendor-04/15/2022<br>|  |  |  | TX | Primary Residence | Purchase | NA | 403731 | N/A | N/A |
| XXXX | 172040 |  |  | Closed | 2022-04-15 10:00 | 2022-08-10 06:11 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. Aa per XXXXXXXX Second appraisal no need - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-06/09/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. Aa per guideline Second appraisal no need - Due Diligence Vendor-04/15/2022<br>|  |  |  | TX | Primary Residence | Purchase | NA | 403732 | N/A | N/A |
| XXXX | 172040 |  |  | Closed | 2022-04-19 12:27 | 2022-04-20 13:32 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please reply to acknowledge that this loan is a high-priced transaction - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-04/20/2022<br>| XXXXXXXXXX_XXXXX_XXXX XXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 404660 | N/A | N/A |
| XXXX | 574539 |  |  | Closed | 2022-04-21 07:01 | 2022-08-10 07:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Borrower X Xrd Party VOE provided. Employment Income screen updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/21/2022 <br>Resolved-Borrower 1 3rd Party VOE provided. Employment Income screen updated. Finding resolved. - Due Diligence Vendor-04/21/2022<br>| XXXX.XXX |  |  | MA | Investment | Purchase | NA | 410637 | N/A | N/A |
| XXXX | 619692 |  |  | Closed | 2022-04-15 10:34 | 2022-08-10 11:09 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected As per GLS, If CU score is below X.X then secondary value is not required. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected As per GLS, If CU score is below 2.5 then secondary value is not required. - Due Diligence Vendor-04/15/2022<br>|  |  |  | MD | Primary Residence | Purchase | NA | 403885 | N/A | N/A |
| XXXX | 619692 |  |  | Closed | 2022-04-15 10:34 | 2022-08-10 11:09 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per GLS, If CU score is below X.X then secondary value is not required. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per GLS, If CU score is below 2.5 then secondary value is not required. - Due Diligence Vendor-04/15/2022<br>|  |  |  | MD | Primary Residence | Purchase | NA | 403886 | N/A | N/A |
| XXXX | 619692 |  |  | Closed | 2022-04-21 14:06 | 2022-04-21 15:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines, and the lender has disclosed to the borrower that the loan is HPML." - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX <br> Open-This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR XX.XX.XX.XXB(XX) , COMAR XX.XX.XX.XXB(X)) <br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).<br>While the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please reply to acknowledge that this loan is a high-priced transaction - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR XX.XX.XX.XXB(XX) , COMAR XX.XX.XX.XXB(X)) <br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).<br>While the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX | Resolved-The loan meets HPML guidelines, and the lender has disclosed to the borrower that the loan is HPML." - Due Diligence Vendor-04/21/2022<br>| XXXXXXXXXX_XXXXXXX XXXXX_XXXX XXXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 404355 | N/A | N/A |
| XXXX | 308134 |  |  | Closed | 2022-04-19 07:23 | 2022-08-10 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower X CPA Letter Provided Borrower X CPA Letter uploaded. Employment Income screen updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Borrower X CPA Letter Missing Provide CPA letter for borrower - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Borrower 1 CPA Letter Provided Borrower 1 CPA Letter uploaded. Employment Income screen updated. Finding resolved. - Due Diligence Vendor-04/19/2022<br>| XXX XXXXXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 407205 | N/A | N/A |
| XXXX | 637735 |  |  | Closed | 2022-04-19 06:44 | 2022-08-10 08:46 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per Lender guidelines if UCDP risk score X hence secondary value or Secondary appraisal not require. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per Lender guidelines if UCDP risk score 1 hence secondary value or Secondary appraisal not require. - Due Diligence Vendor-04/19/2022<br>|  |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 408883 | N/A | N/A |
| XXXX | 637735 |  |  | Closed | 2022-04-19 06:44 | 2022-08-10 08:46 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per Lender guidelines if UCDP risk score X hence secondary value or Secondary appraisal not require. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per Lender guidelines if UCDP risk score 1 hence secondary value or Secondary appraisal not require. - Due Diligence Vendor-04/19/2022<br>|  |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 408884 | N/A | N/A |
| XXXX | 637735 |  |  | Closed | 2022-04-29 13:33 | 2022-08-10 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Borrower X Xrd Party VOE provided. Employment Income screen updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing Please Provide It - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/29/2022 <br>Resolved-Borrower 1 3rd Party VOE provided. Employment Income screen updated. Finding resolved. - Due Diligence Vendor-04/29/2022<br>| XXXX.XXX<br> XXXX.XXX |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 408024 | N/A | N/A |
| XXXX | 637735 |  |  | Closed | 2022-04-29 13:14 | 2022-05-02 12:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX updated to review, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-The Initial XXXX is Missing - Due Diligence Vendor-XX/XX/XXXX <br> Open-The Initial XXXX is Missing Please provided an Initial XXXX that is signed & dated by the Loan Originator. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Initial 1003 updated to review, resolved. - Due Diligence Vendor-04/29/2022 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/29/2022<br>| XXXXX XXXXXXXX XXXXXXX XXXX.XXX<br> XXXXX XXXXXXXX XXXXX XXXX.XXX |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 404119 | N/A | N/A |
| XXXX | 637735 |  |  | Closed | 2022-04-29 14:27 | 2022-04-29 14:58 | Resolved | 1 - Information A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Revised CD and COC letter added to review, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX <br> Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X,XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX | Resolved-Revised CD and COC letter added to review, resolved. - Due Diligence Vendor-04/29/2022<br>| XXXXXXX XX XX-XX-XXXX.XXX<br> XXX X-XX XXX XXXX XXXXXXXXX.XXX |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 430299 | N/A | N/A |
| XXXX | 637735 |  |  | Closed | 2022-04-29 13:22 | 2022-04-29 14:47 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Revised CD received - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please be advised there was a Partial redraw reason why there are X Final CD's from XX-XX-XXXX, thanks. - Seller-XX/XX/XXXX <br> Open-Please clarify on two closing disclosures being signed on X/X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please be advised there was a Partial redraw reason why there are X Final CD's from XX-XX-XXXX, thanks. - Seller-XX/XX/XXXX | Resolved-Revised CD received - Due Diligence Vendor-04/29/2022<br>| XXXXXXX XXXXXX.XXX<br> XXXXXXX XX XX-XX-XXXX.XXX |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 413666 | N/A | N/A |
| XXXX | 637735 |  |  | Closed | 2022-04-29 13:34 | 2022-04-29 14:46 | Resolved | 1 - Information A | Compliance | Points & Fees | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-HPML cert received. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX <br> Open-This loan passed the MA XXX CMR XX.XX higher-priced mortgage loan test. (MA XXX CMR XX.XX)<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.<br>While the Code of Massachusetts Regulations 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. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX |  | XXXX.XXX |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 430300 | N/A | N/A |
| XXXX | 637735 |  |  | Closed | 2022-04-29 13:33 | 2022-04-29 13:46 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML cert received, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached, thanks. - Seller-XX/XX/XXXX | Resolved-HPML cert received, resolved. - Due Diligence Vendor-04/29/2022<br>| XXXX.XXX |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 430298 | N/A | N/A |
| XXXX | 651735 |  |  | Closed | 2022-04-19 10:26 | 2022-06-09 08:33 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected One full Appraisal Updated and CU score is Below X.X As per the Gridlines secondary values not required - Due Diligence Vendor-XX/XX/XXXX <br> Open-No Secondary Value or Additional Review Products have been selected - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-06/09/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected One full Appraisal Updated and CU score is Below 2.5 As per the Gridlines secondary values not required - Due Diligence Vendor-04/19/2022<br>|  |  |  | TX | Primary Residence | Purchase | NA | 409861 | N/A | N/A |
| XXXX | 651735 |  |  | Closed | 2022-04-19 10:26 | 2022-06-09 08:33 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. One full Appraisal Updated and CU score is Below X.X As per the Gridlines secondary values not required - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-06/09/2022<br>|  |  |  | TX | Primary Residence | Purchase | NA | 409862 | N/A | N/A |
| XXXX | 651735 |  |  | Closed | 2022-05-03 08:24 | 2022-05-03 10:21 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- Entered COC re-ran XX; Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-The increase/addition to the following fee(s) was not accepted because a valid reason was not provided: XX/XX/XXXX Points – Loan Discount Fee increase <br> A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br> - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved- Entered COC re-ran CE; Resolved - Due Diligence Vendor-05/03/2022<br>| XXXXXXX XX XXX XXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 429164 | N/A | N/A |
| XXXX | 651735 |  |  | Closed | 2022-04-29 07:56 | 2022-05-03 10:21 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- Entered COC re-ran XX; Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-Refer to finding-XXXX - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- Entered COC re-ran CE; Resolved - Due Diligence Vendor-05/03/2022 <br> Rescinded-Refer to finding-XXXX - Due Diligence Vendor-04/29/2022 |  |  |  | TX | Primary Residence | Purchase | NA | 429162 | N/A | N/A |
| XXXX | 651735 |  |  | Closed | 2022-04-29 07:56 | 2022-05-03 10:21 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- Entered COC re-ran XX; Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-Refer to finding-XXXX - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- Entered COC re-ran CE; Resolved - Due Diligence Vendor-05/03/2022 <br> Rescinded-Refer to finding-XXXX - Due Diligence Vendor-04/29/2022 |  |  |  | TX | Primary Residence | Purchase | NA | 429163 | N/A | N/A |
| XXXX | 651735 |  |  | Closed | 2022-05-03 08:15 | 2022-05-03 09:41 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML document uploaded. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Please replay back to acknowledge that this loan is a high priced transaction." - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-HPML document uploaded. Finding resolved. - Due Diligence Vendor-05/03/2022<br>| XXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 429160 | N/A | N/A |
| XXXX | 651735 |  |  | Closed | 2022-04-28 08:02 | 2022-04-29 09:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Le and COC entered - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Missing initial Loan Estimate, revised loan estimate with change of circumstance showing rate lock, please provide - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Le and COC entered - Due Diligence Vendor-04/29/2022<br>| XX'X XXX XXXXXX XXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 413872 | N/A | N/A |
| XXXX | 651735 |  |  | Closed | 2022-04-29 07:56 | 2022-04-29 09:56 | Resolved | 1 - Information A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-XX/XX/XXXX |  |  |  |  |  | TX | Primary Residence | Purchase | NA | 429161 | N/A | N/A |
| XXXX | 651735 |  |  | Closed | 2022-04-28 10:30 | 2022-04-29 07:39 | Resolved | 1 - Information B A | Credit | Missing Doc | Collateral Rep and Warrant Relief Missing | Resolved-Freddie SSR report provided. Screens updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Please provide the Freddie SSR report, X Fannie SSR reports in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-XXXX report provided. Screens updated. Finding resolved. - Due Diligence Vendor-04/29/2022 | XXXXXX XXXXXX XXX.XXX<br> XXXXXX XXXXXXX XXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 413988 | N/A | N/A |
| XXXX | 317101 |  |  | Closed | 2022-04-28 08:52 | 2022-08-10 10:38 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))<br> 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> 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. Please reply to acknowledge that this loan is a high-priced transaction - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))<br> 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> 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. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-04/29/2022<br>| XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 407083 | N/A | N/A |
| XXXX | 317101 |  |  | Closed | 2022-04-28 08:52 | 2022-08-10 10:38 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please reply to acknowledge that this loan is a high-priced transaction - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Lender provided HPML Disclosure and acknowledges loan HPML - Due Diligence Vendor-04/29/2022<br>| XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 407078 | N/A | N/A |
| XXXX | 317101 |  |  | Closed | 2022-04-29 12:19 | 2022-04-29 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Flood Insurance policy uploaded. Property Insurance screen updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Counter-Please provide the Flood Insurance Policy. Please provide Dec page to confirm dates of coverage. Thank you. The document uploaded is the HPML Cert. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Missing Flood Insurance Policy Flood Insurance Policy not found in file. Application and premium payment confirmation in file page XXX. Please provide Dec page to confirm dates of coverage. Thank you. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-04/29/2022 <br>Resolved-Flood Insurance policy uploaded. Property Insurance screen updated. Finding resolved. - Due Diligence Vendor-04/29/2022<br>| XXXX.XXX<br> XXXXX XXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 406235 | N/A | N/A |
| XXXX | 972444 |  |  | Closed | 2022-04-19 03:07 | 2022-06-09 09:52 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected One full Appraisal Updated and CU score is Below X.X As per the Gridlines secondary values not required - Due Diligence Vendor-XX/XX/XXXX <br> Open-No Secondary Value or Additional Review Products have been selected - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-06/09/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected One full Appraisal Updated and CU score is Below 2.5 As per the Gridlines secondary values not required - Due Diligence Vendor-04/19/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | 408565 | N/A | N/A |
| XXXX | 972444 |  |  | Closed | 2022-04-19 03:07 | 2022-06-09 09:52 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. One full Appraisal Updated and CU score is Below X.X As per the Gridlines secondary values not required - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-06/09/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. One full Appraisal Updated and CU score is Below 2.5 As per the Gridlines secondary values not required - Due Diligence Vendor-04/19/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | 408566 | N/A | N/A |
| XXXX | 176905 |  |  | Closed | 2022-04-20 09:39 | 2022-08-10 09:05 | Resolved | 1 - Information A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of $XXXXXXX is greater than or equal to the Guideline Minimum Loan Amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-Audited Loan Amount of $ is less than the Guideline Minimum Loan Amount of $XXXXXX Note Document is Missing - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Audited Loan Amount of $XXXX is greater than or equal to the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-08/10/2022 <br> Rescinded-Audited Loan Amount of $ is less than the Guideline Minimum Loan Amount of $XXXX Note Document is Missing - Due Diligence Vendor-04/20/2022 |  |  |  | CA | Primary Residence | Purchase | NA | 412599 | N/A | N/A |
| XXXX | 176905 |  |  | Closed | 2022-04-20 08:00 | 2022-06-15 12:42 | Resolved | 1 - Information A | Credit | Closing | Maturity Date is not the first of the month | Resolved-Maturity Date is the X day of the month - Due Diligence Vendor-XX/XX/XXXX <br> Open-Maturity Date is not the first or fifteenth day of the month Note Document is Missing Please Provide - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Maturity Date is the 1 day of the month - Due Diligence Vendor-04/27/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | 412066 | N/A | N/A |
| XXXX | 176905 |  |  | Closed | 2022-04-26 15:28 | 2022-06-15 12:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Note is Missing Note Document is Missing Please Provide<br>Please provide the closing package including all of the closing documents - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-The Note is Present - Due Diligence Vendor-04/27/2022<br>| XXXXXXXXXX_XXXX_XXXXXX XXXXXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 412068 | N/A | N/A |
| XXXX | 176905 |  |  | Closed | 2022-04-26 15:29 | 2022-04-27 11:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD added to review in order to run XX report. Report is elevated. Resolved. . - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Final CD added to review in order to run XXXX report. Report is elevated. Resolved. . - Due Diligence Vendor-04/27/2022 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/27/2022 | XXXXXXXXXX_XXXX_XXXXXX XXXXXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 412895 | N/A | N/A |
| XXXX | 176905 |  |  | Closed | 2022-04-26 15:30 | 2022-04-27 09:14 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-All document uploaded and updated to file - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Final XXXX, DOT, Note Tax Amount Sheet Is Not Available In File Please Provide.<br> Because of These Unable to Determine DTI - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-All document uploaded and updated to file - Due Diligence Vendor-04/27/2022<br>| XXXXXXXXXX_XXXX_XXXXXX XXXXXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 415885 | N/A | N/A |
| XXXX | 176905 |  |  | Closed | 2022-04-20 07:36 | 2022-04-27 09:10 | Resolved | 1 - Information A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower X Ethnicity Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br> Open-Borrower X Ethnicity Selection is Not Provided Final XXXX Document Missing in File Please Provide - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-04/27/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | 411891 | N/A | N/A |
| XXXX | 176905 |  |  | Closed | 2022-04-20 07:36 | 2022-04-27 09:10 | Resolved | 1 - Information A | Credit | Borrower | Borrower 1 Gender Selection is Not Provided | Resolved-Borrower X Gender Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br> Open-Borrower X Gender Selection is Not Provided Final XXXX Document Missing in File Please Provide - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor-04/27/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | 411892 | N/A | N/A |
| XXXX | 176905 |  |  | Closed | 2022-04-20 07:36 | 2022-04-27 09:10 | Resolved | 1 - Information A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Borrower X Race Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br> Open-Borrower X Race Selection is Not Provided Final XXXX Document Missing in File Please Provide - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-04/27/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | 411893 | N/A | N/A |
| XXXX | 176905 |  |  | Closed | 2022-04-26 15:29 | 2022-04-27 09:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Final XXXX is Missing Final XXXX Document Missing in File Please Provide - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/27/2022<br>| XXXXXXXXXX_XXXX_XXXXXX XXXXXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 411894 | N/A | N/A |
| XXXX | 176905 |  |  | Closed | 2022-04-26 15:31 | 2022-04-27 07:47 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-CU score of X and loan amount less than $X.XM. No second review required. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-CU score of X, loan less than $X.XM. No second appraisal review required - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Risk score is only X - Seller-XX/XX/XXXX <br> Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per Lender guidelines if UCDP risk score X hence secondary value or Secondary appraisal not require. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Risk score is only X - Seller-XX/XX/XXXX | Resolved-CU score of 1 and loan amount less than $XXXX. No second review required. - Due Diligence Vendor-04/27/2022 | XXXXXXXXXX_XXXX_XXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 412307 | N/A | N/A |
| XXXX | 176905 |  |  | Closed | 2022-04-26 15:31 | 2022-04-27 07:47 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CU score of X and loan amount less than $X.XM. No second review required. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Risk score is only X - Seller-XX/XX/XXXX <br> Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per Lender guidelines if UCDP risk score X hence secondary value or Secondary appraisal not require. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Risk score is only X - Seller-XX/XX/XXXX | Resolved-CU score of 1 and loan amount less than $XXXX. No second review required. - Due Diligence Vendor-04/27/2022 | XXXXXXXXXX_XXXX_XXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 412306 | N/A | N/A |
| XXXX | 176905 |  |  | Closed | 2022-04-26 15:29 | 2022-04-27 07:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Deed of Trust is Missing Please Provide - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/27/2022<br>| XXXXXXXXXX_XXXX_XXXXXX XXXXXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 412841 | N/A | N/A |
| XXXX | 819608 |  |  | Closed | 2022-04-26 15:00 | 2022-04-27 09:38 | Resolved | 1 - Information A | Compliance | Compliance | TRID violation; revised Loan Estimate not issued for rate lock. | Resolved-Rate Lock date was entered from Locked LE - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Please provide the rate lock LE (and any additional revised LE if applicable) in order to complete TRID testing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Rate Lock date was entered from Locked LE - Due Diligence Vendor-04/27/2022<br>| XXXXXXX XXXXXX XX XXX XXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 418433 | N/A | N/A |
| XXXX | 819608 |  |  | Closed | 2022-04-26 15:00 | 2022-04-27 09:34 | Resolved | 1 - Information A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Entered CD into system - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-TRID: Missing Closing Disclosure Please provide Initial CD (and any additional revised CDs if applicable) in order to complete TRID testing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Entered CD into system - Due Diligence Vendor-04/27/2022<br>| XXXXXXX XX XXX XXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 418445 | N/A | N/A |
| XXXX | 847400 |  |  | Closed | 2022-04-29 07:55 | 2022-08-10 14:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Final XXXX provided. XXXX screen updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-Please provide the Final XXXX. The document uploaded was the XXXX. Thank you. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Final XXXX is Missing Final XXXX Missing in the File. Please Provide. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/29/2022 <br>Resolved-Final 1003 provided. 1003 screen updated. Finding resolved. - Due Diligence Vendor-04/29/2022<br>| XXXXXXXXXX_XXXXX_XXXX.XXX<br> XXXXXXXXXX_XXXXX_XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 415454 | N/A | N/A |
| XXXX | 847400 |  |  | Closed | 2022-04-20 15:20 | 2022-08-10 09:30 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected As per the Guidelines Cu Score < X.X, Secondary Appraisal is not Required, Hence Rescinded - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected As per the Guidelines Cu Score < 2.5, Secondary Appraisal is not Required, Hence Rescinded - Due Diligence Vendor-04/20/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | 413939 | N/A | N/A |
| XXXX | 847400 |  |  | Closed | 2022-04-20 15:20 | 2022-08-10 09:30 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per the Guidelines Cu Score < X.X, Secondary Appraisal is not Required, Hence Rescinded - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per the Guidelines Cu Score < 2.5, Secondary Appraisal is not Required, Hence Rescinded - Due Diligence Vendor-04/20/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | 413940 | N/A | N/A |
| XXXX | 847400 |  |  | Closed | 2022-04-26 09:30 | 2022-04-26 11:51 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-HPML sent indicated it is a High-priced Mortgage. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))<br> 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> 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. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))<br> 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> 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. Please reply to acknowledge that this loan is a high-priced transaction - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-HPML sent indicated it is a High-priced Mortgage. - Due Diligence Vendor-04/26/2022<br>| XXXXXXXXXX_XXXXX_XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 414735 | N/A | N/A |
| XXXX | 847400 |  |  | Closed | 2022-04-26 09:30 | 2022-04-26 11:50 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML sent indicates loan is a High-priced mortgage. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please reply to acknowledge that this loan is a high-priced transaction - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-HPML sent indicates loan is a High-priced mortgage. - Due Diligence Vendor-04/26/2022<br>| XXXXXXXXXX_XXXXX_XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 414733 | N/A | N/A |
| XXXX | 410574 |  |  | Closed | 2022-04-21 14:11 | 2022-08-10 10:40 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines, and the lender has disclosed to the borrower that the loan is HPML." - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX <br> Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))<br> 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> 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. Please reply to acknowledge that this loan is a high-priced transaction - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))<br> 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> 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. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX | Resolved-The loan meets HPML guidelines, and the lender has disclosed to the borrower that the loan is HPML." - Due Diligence Vendor-04/21/2022<br>| XXXXXXXXXX_XXXXXX_XXXX XXXX.XXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 412537 | N/A | N/A |
| XXXX | 410574 |  |  | Closed | 2022-04-21 14:11 | 2022-08-10 10:40 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines, and the lender has disclosed to the borrower that the loan is HPML." - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please reply to acknowledge that this loan is a high-priced transaction - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Yes, HPML Loan - Seller-XX/XX/XXXX | Resolved-The loan meets HPML guidelines, and the lender has disclosed to the borrower that the loan is HPML." - Due Diligence Vendor-04/21/2022<br>| XXXXXXXXXX_XXXXXX_XXXX XXXX.XXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 412535 | N/A | N/A |
| XXXX | 410574 |  |  | Closed | 2022-04-20 08:08 | 2022-08-10 09:26 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. On UCDP page XX risk score is X so CDA is Not required - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. On UCDP page 81 risk score is 1 so CDA is Not required - Due Diligence Vendor-04/20/2022<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 412176 | N/A | N/A |
| XXXX | 410574 |  |  | Closed | 2022-04-20 08:08 | 2022-08-10 09:26 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected On UCDP page XX risk score is X so CDA is Not required - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected On UCDP page 81 risk score is 1 so CDA is Not required - Due Diligence Vendor-04/20/2022<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 412175 | N/A | N/A |
| XXXX | 636596 |  |  | Closed | 2022-05-03 12:37 | 2022-05-04 10:08 | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-As per the Note P and I is XXXX.XX(XXXX.XX+XXX.XX+XXX.XX/XXXXX=XX.XX%)But in XXXX Primary Housing Expanse Ratio XX.XXX% and DTI is XX.XXX%,Hence please provide Updated XXXX<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX |  | XXXXX XXXX.XXX |  |  | MA | Primary Residence | Purchase | NA | 417373 | N/A | N/A |
| XXXX | 636596 |  |  | Closed | 2022-05-03 13:31 | 2022-05-03 13:58 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance updated reflecting the correct effective date for closing. Property Insurance screen updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Hazard Insurance updated reflecting the correct effective date for closing. Property Insurance screen updated. Finding resolved. - Due Diligence Vendor-05/03/2022 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/03/2022 | XXXXXXXXX XXXXXX.XXX |  |  | MA | Primary Residence | Purchase | NA | 417280 | N/A | N/A |
| XXXX | 642406 |  |  | Closed | 2022-04-25 10:48 | 2022-08-10 10:37 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per Lender guidelines if UCDP risk score X hence secondary value or Secondary appraisal not require. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per Lender guidelines if UCDP risk score 1 hence secondary value or Secondary appraisal not require. - Due Diligence Vendor-04/25/2022<br>|  |  |  | SC | Primary Residence | Purchase | NA | 420487 | N/A | N/A |
| XXXX | 642406 |  |  | Closed | 2022-04-25 10:48 | 2022-08-10 10:37 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per Lender guidelines if UCDP risk score X hence secondary value or Secondary appraisal not require. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. As per Lender guidelines if UCDP risk score 1 hence secondary value or Secondary appraisal not require. - Due Diligence Vendor-04/25/2022<br>|  |  |  | SC | Primary Residence | Purchase | NA | 420486 | N/A | N/A |
| XXXX | 642406 |  |  | Closed | 2022-04-27 15:40 | 2022-04-28 08:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Attorney Preference in XX was updated. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hi Kizzy, this form is on page XXX of the package. Is it not suffice? - Seller-XX/XX/XXXX <br> Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi Kizzy, this form is on page XXX of the package. Is it not suffice? - Seller-XX/XX/XXXX | Resolved-Attorney Preference in LM was updated. - Due Diligence Vendor-04/28/2022 <br>Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-04/28/2022<br>| XXXXXXXXXX_XXXXXX XXXXXXXXX_XXXXXXXX XXXXXXXXXX XXXX.XXX |  |  | SC | Primary Residence | Purchase | NA | 420678 | N/A | N/A |
| XXXX | 442884 |  |  | Closed | 2022-04-25 13:23 | 2022-08-10 09:27 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected CU score X.X. Per guidelines, no additional review is required. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected CU score 1.2. Per guidelines, no additional review is required. - Due Diligence Vendor-04/25/2022<br>|  |  |  | SC | Primary Residence | Purchase | NA | 421031 | N/A | N/A |
| XXXX | 442884 |  |  | Closed | 2022-04-25 13:23 | 2022-08-10 09:27 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. CU score X.X. Per guidelines, no additional review is required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-08/10/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. CU score 1.2. Per guidelines, no additional review is required. - Due Diligence Vendor-04/25/2022<br>|  |  |  | SC | Primary Residence | Purchase | NA | 421032 | N/A | N/A |
| XXXX | 442884 |  |  | Closed | 2022-05-05 07:40 | 2022-05-05 14:50 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Updated XXXX provided with Asset removed. Updated Assets screen. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Hello, please be advised the Assets were not needed, see attached, thanks. - Seller-XX/XX/XXXX <br> Open-Unable to verify Asset - Savings Account - XXXX XX XXXXXXX - XXXX - $XX.XX. Please provide bank statements supporting this asset in this amount. Thank you. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Hello, please be advised the Assets were not needed, see attached, thanks. - Seller-XX/XX/XXXX | Resolved-Updated 1003 provided with Asset removed. Updated Assets screen. Finding resolved. - Due Diligence Vendor-05/05/2022<br>| XXXXX XXXX.XXX<br> XXXX.XXX |  |  | SC | Primary Residence | Purchase | NA | 421119 | N/A | N/A |
| XXXX | 666777 |  |  | Closed | 2022-04-29 14:14 | 2022-08-10 10:02 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-No Secondary Value or Additional Review Products have been selected XXX XXXX XXXXXXXXX XXXXXXX and CU score is Below X.X As per the XXXXXXXXX secondary values not required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-08/10/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | 430479 | N/A | N/A |
| XXXX | 666777 |  |  | Closed | 2022-04-29 14:14 | 2022-08-10 10:02 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. XXX XXXX XXXXXXXXX XXXXXXX and CU score is Below X.X As per the XXXXXXXXX secondary values not required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-08/10/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | 430480 | N/A | N/A |
| XXXX | 666777 |  |  | Closed | 2022-05-09 13:03 | 2022-05-10 10:34 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-XX days of assets provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Please provide additional statement for XXXX (page XXX), unable to confirm XX days of assets for this account - XX/XX-XX/XX/XXXX provided. Thank you. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-60 days of assets provided - Due Diligence Vendor-05/10/2022 | XXXXXXXXXX_XXXXXXXX-XXXXXX_XXXXXXX #XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 442535 | N/A | N/A |

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## Exhibit 99.4

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **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** |
| 217912 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 154521 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXXX |
| 628753 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 | XXXXX |
| 599516 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXXX | XXXXX | -.0398 | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |
| 935551 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXXX | XXXXX | 1.0000 | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |
| 120063 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXXX | XXXXX | -.0791 | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |
| 745217 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXXX | XXXXX | -.0558 | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |
| 180901 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXXX | XXXXX | -.0750 | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |
| 187082 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXXX | XXXXX | 1.0000 | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |
| 882622 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXXX | XXXXX | -.0078 | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |
| 121832 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXXX | XXXXX | 1.0000 | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |
| 456482 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXXX | XXXXX | 1.0000 | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |
| 222581 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXXX | XXXXX | 1.0000 | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |
| 884684 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0376 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXXX |
| 968459 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXXX |
| 782402 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 49.5 | 49.5 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Inconclusive Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXXX |
| 627568 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 824947 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 63.04 | 63.04 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXXX |
| 981610 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 47.2 | 47.2 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXXX |
| 731342 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.32 | 64.32 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 245947 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 46.93 | 46.93 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXXX |
| 309033 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.94 | 59.94 | XXXX | XXXX |  | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 | XXXXX |
| 130230 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXXX |
| 876514 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.16 | 48.16 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 736002 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 47.57 | 47.57 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 | XXXXX |
| 582596 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 43.48 | 43.48 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 600803 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 633872 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 827211 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.72 | 64.72 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 230906 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.89 | 37.89 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 600539 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 669078 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXXX |
| 575073 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 966429 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 535405 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 791629 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| 549313 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.6 | 41.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 | XXXXX |
| 834676 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXXX |
| 844007 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 | XXXXX |
| 205315 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 172040 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 574539 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXXX |
| 619692 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 308134 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 95 | 95 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 637735 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.75 | 65.75 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 651735 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 317101 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 81.88 | 81.88 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 972444 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 176905 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 819608 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.05 | 73.05 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |
| 847400 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 410574 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.2 | 44.2 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 636596 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXXX |
| 930833 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 | XXXXX |
| 642406 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |
| 676925 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 442884 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 | XXXXX |
| 975387 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXXX |
| 666777 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXXX |

---

## Exhibit 99.4

Rating Agency Multi-Property Valuation Report v9.25

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property 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** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Completion Report (1004D) Date** |

---

## Exhibit 99.4

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | 217912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | yes | false | XXXX | 783 | 811 | 775 | 783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 2215.09 | Yes | 30.93 | 66449.75 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | DSCR | Fixed | LSM - NANQ One DSCR/No Ratio | 3.75 | 3.75 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  |  | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 10019.00 | 2 |  | 220 |  |  | 10 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 154521 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 687 | 681 | 761 | 687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WI | XXXX | XXXX | Full Doc | Primary Residence | Purchase | Rate and Term | 24.94 | 41.33 | 4831.43 | .00 | .00 | .00 | 4831.43 | Employed |  |  |  | 5.3 |  |  |  | 3 YRS |  | 1996.74 | Yes | 5.04 | 18066.99 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM – NANQ One A+ | 7.499 | 7.499 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 27502 | 74 | 6 | 0.3609954751131222 | 0.92 | No | XXXX | Manual Underwriting | 4315 | 7.871 | Yes | No | XXXX | XXXX |  |
|  | 628753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 708 | 713 | 708 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 8.32 | 12.9 | 69809.02 | .00 | .00 | .00 | 69809.02 | Employed |  |  |  | 20 |  |  |  | NA |  | 9002.21 | Yes | 10 | 58671.55 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM – NANQ One A+ | 6.75 | 6.75 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 125039 | 204 | 6 | 0.18276015510774904 | 16 | No | XXXX | Manual Underwriting | 12696.5 | 6.777 | Yes | No | XXXX | XXXX |  |
|  | 599516 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 615 | 641 | 610 | 615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | No | 2.4 | 5259.02 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | ARVPro | 7.49 | 7.49 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 4524.00 |  |  | 0 |  |  |  | No | XXXX |  |  |  |  |  | XXXX | XXXX | No |
|  | 935551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 652 | 636 | 667 | 652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | No | 0 | 0 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | ARVPro | 8.99 | 8.99 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 2812.50 |  |  | 0 |  |  | 8 | No | XXXX |  |  |  |  |  | XXXX | XXXX | No |
|  | 120063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 693 | 693 | 682 | 720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | No | 0 | 0 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | ARV Pro | 3.99 | 3.99 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 84 | Other | Wholesale | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 2850.00 |  |  | 0 |  |  |  | No | XXXX |  |  |  |  |  | XXXX | XXXX | No |
|  | 745217 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 751 | 751 | 764 | 725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | No | 0 | 0 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | ARV Pro | 3.99 | 3.99 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 84 | Other | Wholesale | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 2925.00 |  |  | 0 |  |  |  | No | XXXX |  |  |  |  |  | XXXX | XXXX | No |
|  | 180901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 621 | 631 | 621 | 608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | No | 0.33 | 1614.59 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | DSCR | Fixed | ARV Pro | 7.865 | 7.865 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | .00 |  |  | 0 |  |  | 30 | No | XXXX |  |  |  |  |  | XXXX | XXXX | No |
|  | 187082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 698 | 703 | 690 | 698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | No | 95.47 | 61463.24 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | VCC | 6.99 | 6.99 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 1743.75 |  |  | 0 |  |  |  | No | XXXX |  |  |  |  |  | XXXX | XXXX | No |
|  | 882622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 789 | 809 | 780 | 789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NY | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | No | 9.39 | 135639.85 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | ARVPro | 3.99 | 3.99 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 84 | Other | Wholesale | No | XXXX |  |  |  | No | XXXX | Condominium High Rise | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 102896.25 |  |  | 0 |  |  | 6 | No | XXXX |  |  |  |  |  | XXXX | XXXX | No |
|  | 121832 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 675 | 675 | 676 | 657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | Yes | 0 | 0 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | ARV Pro | 6.74 | 6.74 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 84 | Other | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 1995.00 |  |  | 0 |  |  | 4 | No | XXXX |  |  |  |  |  | XXXX | XXXX | No |
|  | 456482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 743 | 816 | 710 | 743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | Yes | 0 | 0 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | ARVPro | 3.99 | 3.99 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 84 | Other | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 1275.00 |  |  | 0 |  |  | 18 | No | XXXX |  |  |  |  |  | XXXX | XXXX | No |
|  | 222581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 757 | 775 | 743 | 757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NY | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | Yes | 0 | 0 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | ARV Pro | 3.99 | 3.99 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 84 | Other | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 20625.00 |  |  | 0 |  |  | 29 | No | XXXX |  |  |  |  |  | XXXX | XXXX | No |
|  | 884684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | yes | false | XXXX | 756 | 748 | 756 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 19863.16 | Yes | 393.37 | 2803528.32 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | LSM - NANQ - DSCR/No Ratio | 3.625 | 3.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 12 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 46110.25 | 4 |  | 181 |  |  | 3 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 968459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | yes | false | XXXX | 763 | 763 | 728 | 770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 8938.7 | No | 99 | 397628.77 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | DSCR | Fixed | LSM - NANQ One DSCR/No Ratio | 3.875 | 3.875 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 60 | 12 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 8414.00 | 11 |  | 215 |  |  | 16 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 782402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 818 | 818 | 819 | 806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 794 | 794 | 795 | 769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 40.23 | 46.29 | 12938.50 | 1552.00 | .00 | .00 | 14490.50 | Retired | Retired |  |  |  |  |  |  | NA |  | 6708.14 | No | 49.27 | 207058.71 | XXXX | XXXX | 49.5 | 49.5 | 49.5 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM-NANQ One Standard Select | 3.25 | 3.25 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 5406.50 | 1 | 57600 | 386 | 4 | 0.06676146788990826 | 22 | No | XXXX | Manual Underwriting | 16544 | 3.345 | No | No | XXXX | XXXX |  |
|  | 627568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | yes | false | XXXX | 779 | 782 | 775 | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 3755.98 | Yes | 93 | 126101.9 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | LSM-NANQ One DSCR/No Ratio | 3.625 | 3.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 11595.73 | 2 |  | 399 |  |  | 0.58 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 824947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | yes | false | XXXX | 778 | 778 | 775 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 8176.71 | Yes | 306 | 477470.91 | XXXX | XXXX | 63.04 | 63.04 | 63.04 | XXXX | XXXX | XXXX | DSCR | Fixed | LSM - NANQ One DSCR/No Ratio | 3.625 | 3.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 4594.00 | 2 |  | 350 |  |  | 5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 981610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | yes | false | XXXX | 695 | 698 | 695 | 682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 11288.87 | Yes | 52.42 | 84320.74 | XXXX | XXXX | 47.2 | 47.2 | 47.2 | XXXX | XXXX | XXXX | DSCR | Fixed | LSM - NANQ One DSCR/No Ratio | 3.999 | 3.999 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 10101.50 | 3 |  | 106 |  |  | 19 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 731342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | yes | false | XXXX | 709 | 696 | 709 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 3725.12 | Yes | 10 | 18662.68 | XXXX | XXXX | 64.32 | 64.32 | 64.32 | XXXX | XXXX | XXXX | DSCR | Fixed | LSM - NANQ One DSCR/No Ratio | 3.875 | 3.875 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 8627.50 | 1 |  | 81 |  |  | 0.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 245947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | yes | false | XXXX | 749 | 762 | 749 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 6999.13 | Yes | 37.2 | 96203.42 | XXXX | XXXX | 46.93 | 46.93 | 46.93 | XXXX | XXXX | XXXX | DSCR | Fixed | LSM - NANQ One DSCR/No Ratio | 3.625 | 3.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 5756.50 | 2 |  | 287 |  |  | 12 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 309033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 704 | 704 | 703 | 714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 23.87 | 42.99 | 19743.62 | .00 | .00 | .00 | 19743.62 | Employed |  |  |  | 3 |  |  |  | NA |  | 8488.18 | Yes | 15.48 | 72946.98 | XXXX | XXXX | 59.94 | 59.94 | 59.94 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ One Select | 3.999 | 3.999 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 3702.00 | 2 | 414299 | 182 | 9 | 0.20953105196451205 | 7.7 | No | XXXX | Manual Underwriting | 23782 | 4.260 | No | No | XXXX | XXXX |  |
|  | 130230 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 696 | 620 | 697 | 696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 36.03 | 37.58 | 7360.04 | .00 | .00 | .00 | 7360.04 | Employed |  |  |  | 15.75 |  |  |  | NA |  | 2765.98 | Yes | 5.14 | 13640.03 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ One A | 7.625 | 7.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 901 | 28 | 4 | 0.051794638800545204 | 3.08 | No | XXXX | Manual Underwriting | 7970 | 7.683 | Yes | No | XXXX | XXXX |  |
|  | 876514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 794 | 794 | 796 | 790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 810 | 811 | 810 | 800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 41.04 | 47.85 | 11697.55 | .00 | .00 | .00 | 11697.55 | Employed | Not Employed |  |  | 11 |  |  |  | 3 YRS |  | 5597.13 | No | 9 | 29645.98 | XXXX | XXXX | 48.16 | 48.16 | 48.16 | XXXX | XXXX | XXXX | Conventional | ARM | LSM – NANQ - Unknown | 3.125 | 4.05 | XXXX | XXXX | XXXX | XXXX | XXXX | ARM | 360 | 480 | XXXX | 4 | Nearest | 0.125 | 45 Days | SOFR 30 Day Average | 0.0500 | 2 | 1 | 4 | 4 | 5.125 | 8.125 | 04-01-2027 | 05-01-2027 | 6 | 6 | Yes | 120 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 7412.75 | 2 | 30000 | 541 | 8 | 0.06229741019214703 | 21 | No | XXXX | Manual Underwriting | 16562.75 | 3.842 | No | No | XXXX | XXXX |  |
|  | 736002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 772 | 781 | 758 | 772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 40.54 | 49.6 | 13116.10 | .00 | .00 | .00 | 13116.10 | Employed |  |  |  | 23.5 |  |  |  | NA |  | 6505.5 | Yes | 104 | 414459.05 | XXXX | XXXX | 47.57 | 47.57 | 47.57 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ One Standard | 3.75 | 3.75 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 2 | 27700 | 552 | 6 | 0.20426213592233008 | 19 | No | XXXX | Manual Underwriting | 6710 | 3.796 | No | No | XXXX | XXXX |  |
|  | 582596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 778 | 779 | 756 | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 796 | 789 | 815 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 41.94 | 45.66 | 12754.91 | 1116.72 | .00 | .00 | 13871.63 | Employed | Not Employed |  |  | 42 |  |  |  | 1 YR |  | 6334.18 | Yes | 96 | 404562.09 | XXXX | XXXX | 43.48 | 43.48 | 43.48 | XXXX | XXXX | XXXX | Conventional | Fixed | NONQ-Standard-A+ | 3.375 | 3.375 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 15443.99 | 1 | 43400 | 224 | 11 | 0.00672639139649894 | 19 | No | XXXX | Manual Underwriting | 30443.98 | 3.464 | No | No | XXXX | XXXX |  |
|  | 600803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 642 | 633 | 642 | 642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 4.42 | 8.49 | 87321.65 | .00 | .00 | .00 | 87321.65 | Employed |  |  |  | 30 |  |  |  | NA |  | 7409.98 | Yes | 40 | 152984.65 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | ARM | LSM - NANQ One Standard A+ | 6.625 | 6.625 | XXXX | XXXX | XXXX | XXXX | XXXX | ARM | 360 | 360 | XXXX | 4.0 | Nearest | 0.000 | 45 Days | SOFR 30 Day Average | 0.0500 | 2 | 1 | 4.625 | 4.0 | 8.625 | 11.625 | 04-01-2027 | 05-01-2027 | 6 | 6 | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 3530.00 | 1 | 75426 | 151 | 8 | 0.9610587102983638 | 10.25 | No | XXXX | Manual Underwriting | 10874 | 5.226 | Yes | No | XXXX | XXXX |  |
|  | 633872 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 722 | 705 | 722 | 725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.76 | 29.27 | 39558.26 | .00 | .00 | .00 | 39558.26 | Employed |  |  |  | 11 |  |  |  | NA | 27980.79 | 11577.47 | Yes | 37 | 232223.9 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM – NANQ One A | 6.875 | 6.875 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 7634.00 | 2 | 4600 | 59 | 1 | 0.33869565217391306 | 4 | No | XXXX | Manual Underwriting | 14134 | 6.976 | Yes | No | XXXX | XXXX |  |
|  | 827211 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | yes | false | XXXX | 647 | 655 | 647 | 631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 751 | 751 | 753 | 751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 1165 | Yes | 82.51 | 133365.85 | XXXX | XXXX | 64.72 | 64.72 | 64.72 | XXXX | XXXX | XXXX | DSCR | Fixed | LSM - NANQ One DSCR/ No Ratio | 6.625 | 6.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | XXXX | 5066.00 | 2 |  | 325 |  |  | 26 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 230906 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 786 | 723 | 792 | 786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 800 | 800 | 803 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 28.87 | 35.3 | 5304.12 | 5084.68 | .00 | .00 | 10388.80 | Employed | Employed |  |  | 20 | 6 |  |  | 3 YRS |  | 3666.81 | No | 22 | 65267.05 | XXXX | XXXX | 37.89 | 37.89 | 37.89 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM- NANQ One Standard A+ | 3.125 | 3.125 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 6723.75 | 3 | 50200 | 331 | 11 | 0.04828184835333163 | 8 | No | XXXX | Manual Underwriting | 12624.75 | 3.423 | No | No | XXXX | XXXX |  |
|  | 600539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 744 | 748 | 730 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 36.49 | 37.71 | 31824.00 | .00 | .00 | .00 | 31824.00 | Employed |  |  |  | 8.83 |  |  |  | NA |  | 12001.54 | Yes | 7 | 77037.68 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ - Standard A+ | 6.625 | 6.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 46000 | 149 | 7 | 0.016134397870924817 | 2.91 | No | XXXX | Manual Underwriting | 21595 | 6.748 | Yes | No | XXXX | XXXX |  |
|  | 669078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 693 | 663 | 693 | 697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 49.57 | 49.92 | 4235.88 | .00 | .00 | .00 | 4235.88 | Employed |  |  |  | 5.16 |  |  |  | NA |  | 2114.53 | Yes | 12 | 24589.5 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ One Standard A | 7 | 7.0 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 8871.50 | 1 | 5000 | 196 | 4 | 0.015063731170336037 | 4 | No | XXXX | Manual Underwriting | 12356.66 | 7.247 | Yes | No | XXXX | XXXX |  |
|  | 575073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 719 | 703 | 719 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 38.08 | 44.77 | 10058.11 | .00 | .00 | .00 | 10058.11 | Employed |  |  |  | 5.1 |  |  |  | NA |  | 4502.93 | Yes | 2 | 6240.42 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM – AltONE | 7.25 | 7.25 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 480 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 11552 | 267 | 7 | 0.14708 | 15 | No | XXXX | Manual Underwriting | 10694 | 7.470 | Yes | No | XXXX | XXXX |  |
|  | 966429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 739 | 765 | 739 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 37.83 | 42.9 | 9584.42 | .00 | .00 | .00 | 9584.42 | Employed |  |  |  | 10 |  |  |  | NA |  | 4112.04 | Yes | 5 | 17297.4 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM – NANQ One A+ | 6.875 | 6.875 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 8488 | 108 | 3 | 0.13318181818181818 | 1 | No | XXXX | Manual Underwriting | 11324 | 7.113 | Yes | No | XXXX | XXXX |  |
|  | 535405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | No | false | XXXX | 760 | 756 | 765 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | No | false | XXXX | 740 | 756 | 724 | 740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 0 | 25.23 | 3168.27 | 1910.57 | .00 | .00 | 5078.84 | Employed | Employed |  |  | 7 | 7 |  |  | 3 YRS |  | 1281.54 | Yes | 13 | 70579.66 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM – NANQ One A | 7.375 | 7.375 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 480 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | XXXX | 14206.19 | 2 | 0 | 55 | 0 | 0.16128571428571428 | 8 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 791629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 704 | 706 | 704 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 776 | 794 | 776 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 18.95 | 26.64 | 20000.00 | 5200.00 | .00 | .00 | 25200.00 | Employed | Employed |  |  | 23 | 10 |  |  | 3 YRS |  | 6714.02 | Yes | 36 | 160455.97 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ One A+ | 6.75 | 6.75 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 2797.00 | 1 | 44800 | 357 | 9 | 0 | 1.66 | No | XXXX | Manual Underwriting | 16734 | 6.790 | Yes | No | XXXX | XXXX |  |
|  | 549313 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 749 | 756 | 703 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 742 | 756 | 698 | 742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 25.6 | 49.67 | 21482.90 | .00 | .00 | .00 | 21482.90 | Employed | Not Employed |  |  | 20 |  |  |  | NA |  | 10670.64 | Yes | 63.78 | 350763.22 | XXXX | XXXX | 41.6 | 41.6 | 41.6 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM-NANQ One A+ | 3.999 | 3.999 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 10079.00 | 1 | 30000 | 392 | 10 | 0.3967299163801113 | 5 | No | XXXX | Manual Underwriting | 23729 | 4.260 | No | No | XXXX | XXXX |  |
|  | 834676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | false | XXXX | 687 | 704 | 687 | 671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 35.29 | 45.56 | 9484.00 | .00 | .00 | .00 | 9484.00 | Employed |  |  |  | 8 |  |  |  | NA |  | 4320.61 | Yes | 7 | 24604.83 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - Nanq One A | 7.625 | 7.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 34103 | 212 | 5 | 0.5114860480207657 | 6 | No | XXXX | Manual Underwriting | 8352.5 | 7.832 | Yes | No | XXXX | XXXX |  |
|  | 844007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 651 | 651 | 612 | 664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 40.61 | 41.72 | 5034.59 | .00 | .00 | .00 | 5034.59 | Employed |  |  |  | 5 |  |  |  | NA |  | 2100.58 | Yes | 11 | 23387.5 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ - One Standard A | 8 | 8.0 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 2192.40 | 1 | 1000 | 46 | 5 | 0.05603217158176944 | 2 | No | XXXX | Manual Underwriting | 4112.4 | 8.223 | Yes | No | XXXX | XXXX |  |
|  | 205315 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 741 | 750 | 741 | 715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 688 | 681 | 688 | 688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 46.65 | 48.11 | 5680.20 | 2146.33 | .00 | .00 | 7826.53 | Employed | Employed |  |  | 15 | 7.5 |  |  | NA |  | 3765.41 | Yes | 22.09 | 90657.22 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ - Standard A | 7.125 | 7.125 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 1694.00 | 1 | 3600 | 98 | 6 | 0.21554376657824934 | 3.7 | No | XXXX | Manual Underwriting | 13294 | 7.413 | Yes | No | XXXX | XXXX |  |
|  | 172040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 650 | 650 | 639 | 652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 35.88 | 37.37 | 5258.81 | .00 | .00 | .00 | 5258.81 | Not Employed |  |  |  | 3 |  |  |  | 3 YRS |  | 1965.09 | Yes | 3 | 6499.56 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM – NANQ One A+ | 8 | 8.0 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 3649.69 | 1 | 1300 | 124 | 6 | 0.13916786226685796 | 4 | No | XXXX | Manual Underwriting | 7190.69 | 7.998 | Yes | No | XXXX | XXXX |  |
|  | 574539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | Yes | false | XXXX | 715 | 715 | 714 | 716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 27.29 | 36.59 | 10483.00 | .00 | .00 | .00 | 10483.00 | Employed |  |  |  | 3.2 |  |  |  | 3 YRS |  | 3835.93 | Yes | 3 | 10133.86 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ - Standard A | 7.875 | 7.875 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 24 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | C | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 11588.64 | 2 | 19471 | 62 | 3 | 0 | 0.8 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 619692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | false | XXXX | 632 | 619 | 632 | 645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.34 | 32.34 | 8606.86 | .00 | .00 | .00 | 8606.86 | Employed |  |  |  | 20 |  |  |  | NA |  | 2783.06 | Yes | 7 | 18715.29 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ Standard A | 8.5 | 8.5 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 500 | 88 | 1 | 1 | 2 | No | XXXX | Manual Underwriting | 9195 | 9.007 | Yes | No | XXXX | XXXX |  |
|  | 308134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 770 | 770 | 766 | 772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 20.52 | 29.6 | 11778.49 | .00 | .00 | .00 | 11778.49 | Employed |  |  |  | 6 |  |  |  | NA |  | 3486.33 | Yes | 6 | 13312.34 | XXXX | XXXX | 95 | 95 | 95 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ One Standard A+ | 7.25 | 7.25 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 99.00 | 1 | 17552 | 85 | 7 | 1 | 1 | No | XXXX | Manual Underwriting | 8485.13 | 7.537 | Yes | No | XXXX | XXXX |  |
|  | 637735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | false | XXXX | 773 | 785 | 773 | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 17.81 | 21.69 | 17000.00 | .00 | .00 | .00 | 17000.00 | Employed |  |  |  | 5 |  |  |  | NA |  | 3686.99 | Yes | 11 | 34120.52 | XXXX | XXXX | 65.75 | 65.75 | 65.75 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ Standard A | 6.75 | 6.75 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 180 | 180 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 15300 | 222 | 14 | 0.0690725806451613 | 2.25 | No | XXXX | Manual Underwriting | 8926.5 | 6.890 | Yes | No | XXXX | XXXX |  |
|  | 651735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | false | XXXX | 659 | 656 | 663 | 659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | No | false | XXXX | 650 | 660 | 650 | 618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 4.06 | 8.2 | 40000.00 | .00 | .00 | .00 | 40000.00 | Employed | Not Employed |  |  | 3 |  |  |  | NA |  | 3281.02 | Yes | 43 | 69227.22 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ Standard A | 8.25 | 8.25 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 3175.13 | 1 | 22545 | 55 | 8 | 0.6373015873015873 | 9.5 | No | XXXX | Manual Underwriting | 4818.63 | 8.594 | Yes | No | XXXX | XXXX |  |
|  | 317101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 796 | 724 | 796 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 42.57 | 42.99 | 5930.09 | .00 | .00 | .00 | 5930.09 | Employed |  |  |  | 10 |  |  |  | 3 YRS |  | 2549.47 | Yes | 28.64 | 79788.55 | XXXX | XXXX | 81.88 | 81.88 | 81.88 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ - Standard A | 7.875 | 7.875 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 3800 | 227 | 2 | 0.031917808219178084 | 3 | No | XXXX | Manual Underwriting | 7163 | 8.155 | Yes | No | XXXX | XXXX |  |
|  | 972444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | No | true | XXXX | 734 | 0 | 741 | 734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 39.94 | 49.94 | 7258.00 | .00 | .00 | .00 | 7258.00 | Employed |  |  |  | 5.58 |  |  |  | 2 YRS |  | 3624.99 | Yes | 8.41 | 24382.54 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ One Standard A | 6.875 | 6.875 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 2607.75 | 1 | 50793 | 112 | 3 | 0.20119834710743803 | 10 | No | XXXX | Manual Underwriting | 8090.25 | 7.167 | Yes | No | XXXX | XXXX |  |
|  | 176905 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | Yes | true | XXXX | 711 | 706 | 730 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.89 | 24.85 | 60000.00 | .00 | .00 | .00 | 60000.00 | Employed |  |  |  | 7.5 |  |  |  | NA |  | 14908.43 | Yes | 4.58 | 43701.8 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ - Standard A+ | 7.25 | 7.25 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 40500 | 69 | 8 | 0.0723067062867797 | 7.4 | No | XXXX | Manual Underwriting | 15994 | 7.387 | Yes | No | XXXX | XXXX |  |
|  | 819608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 792 | 769 | 797 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 48.16 | 48.41 | 9973.69 | .00 | .00 | .00 | 9973.69 | Employed |  |  |  | 15 |  |  |  | 1 YR |  | 4828.64 | Yes | 27 | 131450.22 | XXXX | XXXX | 73.05 | 73.05 | 73.05 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM – NANQ One A | 7.625 | 7.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 3767.75 | 1 | 6000 | 206 | 1 | 0.06609053497942387 | 2 | No | XXXX | Manual Underwriting | 17592.75 | 7.963 | Yes | No | XXXX | XXXX |  |
|  | 847400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 783 | 783 | 801 | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 43.47 | 43.85 | 13283.97 | .00 | .00 | .00 | 13283.97 | Employed |  |  |  | 10.1 |  |  |  | NA |  | 5825.1 | Yes | 13.38 | 77293.81 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM-NANQ One Standard A | 9 | 9.0 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 4500 | 185 | 4 | 0.218375 | 4 | No | XXXX | Manual Underwriting | 14645 | 9.352 | Yes | No | XXXX | XXXX |  |
|  | 410574 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | false | XXXX | 745 | 749 | 745 | 716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 33.49 | 33.77 | 9998.94 | .00 | .00 | .00 | 9998.94 | Employed |  |  |  | 9.7 |  |  |  | NA |  | 3377.14 | Yes | 2 | 8196.51 | XXXX | XXXX | 44.2 | 44.2 | 44.2 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM – NANQ One A | 6.875 | 6.875 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 5694.00 | 1 | 2000 | 227 | 2 | 0.312156862745098 | 4.5 | No | XXXX | Manual Underwriting | 14694 | 7.141 | Yes | No | XXXX | XXXX |  |
|  | 636596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 678 | 678 | 670 | 685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 18.95 | 19.17 | 20835.00 | .00 | .00 | .00 | 20835.00 | Employed |  |  |  | 15 |  |  |  | NA |  | 3993.64 | Yes | 22.62 | 89322.09 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM-NANQ One Standard A | 7.857 | 7.857 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 2000 | 38 | 2 | 0.612 | 4 | No | XXXX | Manual Underwriting | 14019 | 8.167 | Yes | No | XXXX | XXXX |  |
|  | 930833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 723 | 698 | 728 | 723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | No | true | XXXX | 705 | 706 | 687 | 705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 23.58 | 38.88 | 10242.56 | .00 | .00 | .00 | 10242.56 | Employed | Not Employed |  |  | 4.25 |  |  |  | NA |  | 3982.28 | Yes | 4 | 10100.52 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM – NANQ One A | 9.625 | 9.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 1694.00 | 1 | 12682 | 49 | 5 | 0.01891304347826087 | 5.08 | No | XXXX | Manual Underwriting | 8239 | 10.036 | Yes | No | XXXX | XXXX |  |
|  | 642406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | false | XXXX | 681 | 674 | 714 | 681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | false | XXXX | 697 | 700 | 0 | 697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | SC | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 22.77 | 30.79 | 7512.54 | .00 | .00 | .00 | 7512.54 | Employed | Employed |  |  | 5 | 3 |  |  | NA |  | 2313.42 | Yes | 5 | 6183.95 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM-NANQ One Standard A | 7.625 | 7.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 1694.00 | 2 | 9211 | 78 | 3 | 0.5373873873873873 | 5.75 | No | XXXX | Manual Underwriting | 5638 | 7.730 | Yes | No | XXXX | XXXX |  |
|  | 676925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 779 | 786 | 771 | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 46.52 | 47.16 | 9000.00 | .00 | .00 | .00 | 9000.00 | Employed |  |  |  | 15 |  |  |  | NA |  | 4244.42 | Yes | 4 | 15853 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM – NANQ One A | 9.25 | 9.25 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1694.00 | 1 | 7000 | 95 | 5 | 0.03653179190751445 | 7 | No | XXXX | Manual Underwriting | 12850.25 | 9.581 | Yes | No | XXXX | XXXX |  |
|  | 442884 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 755 | 755 | 0 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | SC | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 34.93 | 35.99 | 6023.33 | .00 | .00 | .00 | 6023.33 | Employed |  |  |  | 5.1 |  |  |  | NA |  | 2168 | Yes | 7 | 18736.45 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM – NANQ One A | 7.25 | 7.25 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 99.00 | 1 | 13100 | 65 | 3 | 0.0782051282051282 | 0.7 | No | XXXX | Manual Underwriting | 6854.38 | 7.567 | Yes | No | XXXX | XXXX |  |
|  | 975387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 712 | 698 | 713 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 31.36 | 41.87 | 17317.31 | .00 | .00 | .00 | 17317.31 | Employed |  |  |  | 7 |  |  |  | NA | 15333.31 | 7250.3 | Yes | 37 | 199336.46 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | NanQ-Standard | 8.375 | 8.375 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 2894.00 | 1 | 33300 | 163 | 7 | 0.2355148342059337 | 12 | No | XXXX | Manual Underwriting | 14894 | 8.429 | Yes | No | XXXX | XXXX |  |
|  | 666777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | No | true | XXXX | 752 | 752 | 749 | 762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | No | true | XXXX | 707 | 0 | 740 | 707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | No | true | XXXX | 710 | 0 | 772 | 710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 44.34 | 48.3 | 5290.61 | 3092.00 | 3116.00 | .00 | 11498.61 | Employed | Employed | Employed |  | 11.9 | 7.2 | 1.8 |  | 2 YRS |  | 5554.15 | Yes | 1 | 6091.06 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | LSM - NANQ One Standard A | 7.75 | 7.75 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3 | XXXX | 13306.50 | 1 | 12000 | 53 | 8 | 0.011646897025958398 | 5 | No | XXXX | Manual Underwriting | 25546.5 | 8.012 | Yes | No | XXXX | XXXX |  |

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## Exhibit 99.4

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** |
| 217912 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 3.750% | 3.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | NA | 0 |  | NA |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 2.85 |  |  | Borrower | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 154521 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 4315 | 01/24/2022 | 3.620% | Manual Underwriting | Manual Underwriting | No | 7.871% |  | 7.499% | 7.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 41.37% | 41.33% | 41.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 | 0 NA | NA |  | 0 |  |  | 2 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No |  | 4 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 6 Personal Bank Statements Verified - 2019, 2020, 2021 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2019, 2020, 2021 | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 628753 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 12696.5 | 01/24/2022 | 3.620% | Manual Underwriting | Manual Underwriting | No | 6.777% |  | 6.750% | 6.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 13.06% | 12.90% | 12.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 13 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Balance Sheet Verified, 12 Business Bank Statements Verified | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 599516 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | Interest Only |  |  |  | Other |  | No |  |  | 7.490% |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  |  | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | NA | 0 |  | NA |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 0.78 | 0.78 |  | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 935551 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Interest Only |  |  |  | Other |  | No |  |  | 8.990% |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  |  | 0.00% | 0.00% | Yes |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | NA | 0 |  | NA |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.55 | 1.55 |  | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 120063 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Interest Only |  |  |  | Other |  | No |  |  | 3.990% |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | NJ | XXXX | XXXX | Monthly |  | 0.00% | 0.00% | Yes |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | NA | 0 |  | NA |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.62 | 1.62 |  | Borrower | Borrower | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 745217 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Interest Only |  |  |  | Other |  | No |  |  | 3.990% |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | NJ | XXXX | XXXX | Monthly |  | 0.00% | 0.00% | Yes |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | NA | 0 |  | NA |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.81 | 1.79 |  | Borrower | Borrower | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 180901 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Other |  | No |  |  | 7.865% |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  |  | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | NA | 0 |  | NA |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 0.57 | 0.57 |  | Borrower | Borrower | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 187082 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Other |  | No |  |  | 6.990% |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  |  | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | NA | 0 |  | NA |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.55 | 1.55 |  | Borrower | Borrower | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 882622 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Interest Only |  |  |  | Other |  | No |  |  | 3.990% |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | NY | XXXX | XXXX |  |  | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds | NA | 0 |  | NA |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.18 | 1.18 |  | Borrower | Borrower | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 121832 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Interest Only |  |  |  | Other |  | No |  |  | 6.740% |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  |  | 0.00% | 0.00% | Yes |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | NA | 0 |  | NA |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 0.88 | 0.88 |  | Borrower | Borrower | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 456482 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Interest Only |  |  |  | Other |  | No |  | $0.00 | 3.990% |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  |  | 0.00% | 0.00% | Yes |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | NA | 0 |  | NA |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 2.49 | 2.49 |  | Borrower | Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 222581 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Interest Only |  |  |  | Other |  | No |  | $0.00 | 3.990% |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  |  | 0.00% | 0.00% | Yes |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | NA | 0 |  | NA |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 0.79 | 0.79 |  | Borrower | Borrower | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 884684 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 3.625% | 3.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 3 - Verified<2Mos |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 2.08 | 2.08 |  | Borrower \|\| Co Borrower \|\| Co Borrower 2 | Borrower \|\| Co Borrower \|\| Co Borrower 2 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 968459 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 3.875% | 3.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.28 |  | N/A | Borrower | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 782402 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 16544 | 01/24/2022 | 3.620% | Manual Underwriting | Manual Underwriting | No | 3.345% |  | 3.250% | 4.275% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 46.29% | 46.29% | 46.29% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Retirement Income Doc Verified | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - Other, SSI and Disability - Award Letter Verified - 2021 \|\| Co Borrower - SSI and Disability - Award Letter Verified - 2021 | Borrower - 2021 \|\| Co Borrower - 2021 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 627568 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 3.625% | 3.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.73 |  |  | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 824947 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 3.625% | 3.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | CA | XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.44 |  |  | Borrower | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 981610 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 3.999% | 3.999% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 2.14 |  |  | Borrower | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 731342 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 3.875% | 3.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | FL | XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.46 |  |  | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 245947 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 3.625% | 3.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.7 |  |  | Borrower | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 309033 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 23782 | 02/07/2022 | 3.610% | Manual Underwriting | Manual Underwriting | No | 4.260% |  | 3.999% | 3.999% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 42.99% | 42.99% | 42.99% | No |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified - 2020, 2021 | Borrower - 2020, 2021 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 130230 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 7970 | 02/28/2022 | 3.960% | Manual Underwriting | Manual Underwriting | No | 7.683% |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 37.58% | 37.58% | 37.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 60 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified - 2021 | Borrower - 2021 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 876514 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 16562.75 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 3.842% |  | 4.050% | 4.167% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 48.42% | 47.85% | 53.28% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | Yes |  | 6 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | Yes | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - Wage, SSI and Disability, Asset Depletion, Asset Depletion, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified, Lease Agreements Verified - 2021, 2020, 2019 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2021, 2020, 2019 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 736002 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 6710 | 01/24/2022 | 3.620% | Manual Underwriting | Manual Underwriting | No | 3.796% |  | 3.750% | 4.709% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 49.59% | 49.60% | 49.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | Yes | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 92.56% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability - Award Letter Verified, Business Bank Statements Verified - 2020, 2021 | Borrower - 2020, 2021 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 582596 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 30443.98 | 01/31/2022 | 3.610% | Manual Underwriting | Manual Underwriting | No | 3.464% |  | 3.375% | 3.375% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 44.78% | 45.66% | 45.66% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | Yes |  | 24 | 0 | Yes |  | 24 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | Yes | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - Wage, SSI and Disability - 2 YRS W2 Verified, Written VOE Verified, 1 YR Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - 2019, 2020, 2021 \|\| Co Borrower - SSI and Disability - 1 YR Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2019, 2020, 2021 \|\| Co Borrower - 1 YR Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 600803 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 10874 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 5.226% |  | 6.625% | 6.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 8.46% | 8.49% | 9.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2020, 2021 | Borrower - 2020, 2021 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 633872 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 14134 | 03/07/2022 | 3.830% | Manual Underwriting | Manual Underwriting | No | 6.976% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 29.35% | 29.27% | 29.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified - 2021, 2022 | Borrower - 2021, 2022 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 827211 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | Yes | 1.21 |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 230906 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 12624.75 | 03/07/2022 | 3.830% | Manual Underwriting | Manual Underwriting | No | 3.423% |  | 3.125% | 3.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | TX | XXXX | XXXX | Annually | 35.93% | 35.30% | 35.30% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 NA | 1 Month |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | Yes |  | 12 | 0 | No |  | 0 | 0 | 30.67% | 50.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | Yes | 12 | No | 0 | Yes | 0 | 0 |  | Yes | 24 | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Primary Residence Rent Income - CPA Letter Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2021 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2021 | Borrower - 3 YRS Executed 4506T Verified - 2021 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2021 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 600539 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 21595 | 02/21/2022 | 3.990% | Manual Underwriting | Manual Underwriting | No | 6.748% |  | 6.625% | 6.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 37.71% | 37.71% | 37.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 88.69% | 100.00% |  |  | Borrower Prepared | 12 |  | N/A |  |  | Yes | 12 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Written VOE Verified, Business Bank Statements Verified, Lease Agreements Verified - 2021 | Borrower - 2021 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 669078 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 12356.66 | 02/28/2022 | 3.960% | Manual Underwriting | Manual Underwriting | No | 7.247% |  | 7.000% | 5.999% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 49.91% | 49.92% | 49.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified - 2021, 2022 | Borrower - 2021, 2022 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 575073 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 10694 | 03/07/2022 | 3.830% | Manual Underwriting | Manual Underwriting | No | 7.470% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | CA | XXXX | XXXX | Monthly | 45.17% | 44.77% | 44.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 60 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified - 2021, 2022 | Borrower - 2021, 2022 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 966429 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 11324 | 03/14/2022 | 3.920% | Manual Underwriting | Manual Underwriting | No | 7.113% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 42.90% | 42.90% | 42.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 72 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 535405 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 25.07% | 25.23% | 25.23% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 NA | NA |  | 0 |  |  | 1 | 0 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | Yes | 0 | 0 |  | Yes | 26 | 0 |  | No | 0 |  |  | Borrower - Wage, Other - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2022, 2021, 2020 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2022, 2021, 2020 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2021, 2020 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2021, 2020 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 791629 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 16734 | 01/24/2022 | 3.620% | Manual Underwriting | Manual Underwriting | No | 6.790% |  | 6.750% | 6.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | TX | XXXX | XXXX | Annually | 27.22% | 26.64% | 26.64% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | Yes | 0 | 0 |  | Yes | 14 | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2020, 2021 \|\| Co Borrower - Wage - 2 YRS W2 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2020, 2021 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2020, 2021 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2020, 2021 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 549313 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 23729 | 02/07/2022 | 3.610% | Manual Underwriting | Manual Underwriting | No | 4.260% |  | 3.999% | 3.999% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | FL | XXXX | XXXX | Monthly | 49.87% | 49.67% | 49.67% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  | 0 | 0 | 97.00% | 100.00% |  |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Retirement - Business Bank Statements Verified - 2020, 2021 \|\| Co Borrower | Borrower - 2020, 2021 \|\| Co Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 834676 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 8352.5 | 03/07/2022 | 3.830% | Manual Underwriting | Manual Underwriting | No | 7.832% |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 45.56% | 45.56% | 45.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | Yes | 60 | 0 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified - ["2021","2022"] - 2021, 2022 | Borrower - ["2021","2022"] - 2021, 2022 | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 844007 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 4112.4 | 03/21/2022 | 4.230% | Manual Underwriting | Manual Underwriting | No | 8.223% |  | 8.000% | 8.000% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 41.72% | 41.72% | 41.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 60 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified, Lease Agreements Verified - 2021 | Borrower - 2021 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 205315 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 13294 | 03/14/2022 | 3.920% | Manual Underwriting | Manual Underwriting | No | 7.413% |  | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 48.23% | 48.11% | 48.11% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 12 | 0 | Yes |  | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 |  | N/A |  | 0 | Yes | 60 | Yes | 0 | Yes | 0 | 0 |  | Yes | 72 | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified - 2021 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified - 2021 | Borrower - 2021 \|\| Co Borrower - 2021 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 172040 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 7190.69 | 03/21/2022 | 4.230% | Manual Underwriting | Manual Underwriting | No | 7.998% |  | 8.000% | 8.000% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | TX | XXXX | XXXX | Annually | 37.42% | 37.37% | 37.37% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes |  | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2022, 2021 | Borrower - 3 YRS Executed 4506T Verified - 2022, 2021 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 574539 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 36.59% | 36.59% | 36.59% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 | 0 NA | NA |  | 0 |  |  | 1 | 1 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | Audited | 12 |  | N/A |  |  | Yes | 12 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(), CPA Letter Verified, YTD Profit And Loss Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified - 2021 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(), 3 YRS Executed 4506T Verified - 2021 | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 619692 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 9195 | 03/21/2022 | 4.230% | Manual Underwriting | Manual Underwriting | No | 9.007% |  | 8.500% | 8.500% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 32.34% | 32.34% | 32.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 12 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Balance Sheet Verified, Written VOE Verified, Business Bank Statements Verified - 2021, 2022 | Borrower - 2021, 2022 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 308134 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 8485.13 | 03/28/2022 | 4.490% | Manual Underwriting | Manual Underwriting | No | 7.537% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 29.59% | 29.60% | 29.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified - 2021, 2022 | Borrower - 2021, 2022 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 637735 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 8926.5 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.890% |  | 6.750% | 6.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | MA | XXXX | XXXX | Monthly | 22.04% | 21.69% | 21.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 12 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified - 2021, 2022 | Borrower - 2021, 2022 | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 651735 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 4818.63 | 03/07/2022 | 3.830% | Manual Underwriting | Manual Underwriting | No | 8.594% |  | 8.250% | 8.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 8.13% | 8.20% | 8.20% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  | 0 | Yes | 36 | No | 0 | Yes | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 317101 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 7163 | 03/28/2022 | 4.490% | Manual Underwriting | Manual Underwriting | No | 8.155% |  | 7.875% | 7.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 42.99% | 42.99% | 42.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 | 0 NA | NA |  | 0 |  |  | 2 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2021, 2022 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - 2021, 2022 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 972444 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 8090.25 | 03/28/2022 | 4.490% | Manual Underwriting | Manual Underwriting | No | 7.167% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 49.94% | 49.94% | 49.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 NA | NA |  | 0 |  |  | 2 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | Yes |  | 24 | 0 | No |  |  |  | 100.00% | 0.00% |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - 2020, 2021 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2020, 2021 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 176905 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 15994 | 04/04/2022 | 4.740% | Manual Underwriting | Manual Underwriting | No | 7.387% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 24.84% | 24.85% | 24.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified - 2021, 2022 | Borrower - 2021, 2022 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 819608 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 17592.75 | 04/11/2022 | 4.790% | Manual Underwriting | Manual Underwriting | No | 7.963% |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 48.41% | 48.41% | 48.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 60 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2021 | Borrower - 1 YR Executed 4506T Verified - 2021 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 847400 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 14645 | 04/11/2022 | 4.790% | Manual Underwriting | Manual Underwriting | No | 9.352% |  | 9.000% | 9.000% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | CA | XXXX | XXXX | Monthly | 43.85% | 43.85% | 43.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified - 2021, 2022 | Borrower - 2021, 2022 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 410574 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 14694 | 04/04/2022 | 4.740% | Manual Underwriting | Manual Underwriting | No | 7.141% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 33.24% | 33.77% | 33.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 60 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified - 2021 | Borrower - 2021 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 636596 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 14019 | 04/04/2022 | 4.740% | Manual Underwriting | Manual Underwriting | No | 8.167% |  | 7.857% | 7.857% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 17.02% | 19.17% | 19.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2021 | Borrower - 2021 | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 930833 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 8239 | 04/04/2022 | 4.740% | Manual Underwriting | Manual Underwriting | No | 10.036% |  | 9.625% | 9.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 38.88% | 38.88% | 38.88% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 12 | 0 | No |  | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  | 0 | Yes | 48 | No | 0 | Yes | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified - 2021, 2022 \|\| Co Borrower | Borrower - 2021, 2022 \|\| Co Borrower | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 642406 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 5638 | 03/28/2022 | 4.490% | Manual Underwriting | Manual Underwriting | No | 7.730% |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 30.80% | 30.79% | 30.79% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | Yes |  | 12 | 0 | Yes |  | 12 | 0 | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  | 0 | Yes | 24 | Yes | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - 2021, 2022 \|\| Co Borrower - CPA Letter Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - 2021, 2022 | Borrower - 2 YRS IRS Transcripts Verified - 2021, 2022 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - 2021, 2022 | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 676925 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 12850.25 | 04/11/2022 | 4.790% | Manual Underwriting | Manual Underwriting | No | 9.581% |  | 9.250% | 9.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | OR | XXXX | XXXX | Monthly | 46.84% | 47.16% | 47.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 36 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified - 2021, 2022 | Borrower - 2021, 2022 | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 442884 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 6854.38 | 03/14/2022 | 3.920% | Manual Underwriting | Manual Underwriting | No | 7.567% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | SC | XXXX | XXXX | Annually | 35.99% | 35.99% | 35.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 4 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2020, 2021, 2022 | Borrower - 2020, 2021, 2022 | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 975387 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 14894 | 04/04/2022 | 4.740% | Manual Underwriting | Manual Underwriting | No | 8.429% |  | 8.375% | 8.375% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 42.81% | 41.87% | 41.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 2 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 60 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2021, 2022 | Borrower - 2021, 2022 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 666777 |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 25546.5 | 04/04/2022 | 4.740% | Manual Underwriting | Manual Underwriting | No | 8.012% |  | 7.750% | 7.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 48.30% | 48.30% | 48.30% | No | No | 4 - Verified 2+ Mos |  | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns |  | 3 - Stated, 3rd Party Verification |  | Employed | Employed | Employed |  | 1.80 |  | Written Verification of Employment | 0 | 0 NA | NA |  | 0 |  |  | 2 | 0 | 2 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | Yes | 0 | 0 |  | Yes | 27 | 0 |  | No | 0 |  |  | Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2020, 2021, 2022 \|\| Co Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2020, 2021, 2022 \|\| Co Borrower 2 - SEPartnership - 2 YRS Personal Tax Returns Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2020, 2021, 2022 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2020, 2021, 2022 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2020, 2021, 2022 \|\| Co Borrower 2 - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2020, 2021, 2022 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| 217912 |  | XXXX | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | .00 | 0 | 66449.75 | 30.9 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 154521 |  | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Mexico | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 18066.99 | 15 | 6066.99 | 5 |  | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 628753 |  | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 31 | 0 | 0 | 0 |  |  |  |  | 31 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 58671.55 | 10 | 58671.55 | 10 |  | 90 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 599516 |  | XXXX | 615 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 5259.02 | 2.4 | 5259.02 | 2.4 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 935551 |  | XXXX | 652 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | .00 | 0 | .00 | 0 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 120063 |  | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | .00 | 0 | .00 | 0 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 745217 |  | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | .00 | 0 | .00 | 0 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 180901 |  | XXXX | 621 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 1614.59 | 0.3 | 1614.59 | 0.3 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 187082 |  | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 2 | 0 | 0 | 0 |  |  |  |  | 2 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 61463.24 | 95.5 | 61463.24 | 95.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 882622 |  | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 135639.85 | 9.4 | 135639.85 | 9.4 | No | 75 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 121832 |  | XXXX | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | .00 | 0 | .00 | 0 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 456482 |  | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | .00 | 0 | .00 | 0 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 222581 |  | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | .00 | 0 | .00 | 0 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 884684 |  | XXXX | 756 | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 2546892.56 | 357.4 | 2803528.32 | 393.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | Borrower As Individual | N/A |  |  |  |  |
| 968459 |  | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 397628.77 | 99 | 397628.77 | 99 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 782402 |  | XXXX | 818 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 207058.71 | 49.3 | 207058.71 | 49.3 |  | 49.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 627568 |  | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 126101.90 | 93 | 126101.90 | 93 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 824947 |  | XXXX | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 477470.91 | 306 | 477470.91 | 306 | No | 63.04 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 981610 |  | XXXX | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 84320.74 | 52.4 | 84320.74 | 52.4 | No | 47.2 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 731342 |  | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Mexico | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 18662.68 | 10 | 18662.68 | 10 | No | 64.32 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 245947 |  | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | .00 | 0 | 96203.42 | 37.2 | No | 46.93 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 309033 |  | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 72946.98 | 15.5 | 72946.98 | 15.5 |  | 59.94 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 130230 |  | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 13640.03 | 5.1 | 13640.03 | 5.1 |  | 85 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 876514 |  | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 29645.98 | 9 | 29645.98 | 9 |  | 48.16 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 736002 |  | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 414459.05 | 104 | 414459.05 | 104 |  | 47.57 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 582596 |  | XXXX | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 404562.09 | 96 | 404562.09 | 96 |  | 43.48 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 600803 |  | XXXX | 642 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 152984.65 | 40 | 152984.65 | 40 |  | 80 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 633872 |  | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 232223.90 | 37 | 232223.90 | 37 |  | 90 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 827211 |  | XXXX | 647 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | .00 | 0 | 133365.85 | 82.5 | No | 64.72 | N/A | No | No | Yes | Member on Behalf of Entity | Borrower As Individual | N/A | N/A |  |  |  |  |
| 230906 |  | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 65267.05 | 22 | 65267.05 | 22 |  | 37.89 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 600539 |  | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 77037.68 | 7 | 77037.68 | 7 |  | 90 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 669078 |  | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 4 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 24589.50 | 12 | 24589.50 | 12 |  | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 575073 |  | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 6240.42 | 2 | 6240.42 | 2 |  | 90 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 966429 |  | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | El Salvador | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 17297.40 | 5 | 17297.40 | 5 |  | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 535405 |  | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | US | XXXX | XXXX | XXXX |  | XXXX | XXXX | Non Permanent Resident Alien |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 70579.66 | 13 | 70579.66 | 13 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 791629 |  | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 160455.97 | 33.6 | 170455.97 | 36 |  | 90 | N/A | No | No |  | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 549313 |  | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | .00 | 0 | 350763.22 | 63.8 |  | 41.6 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 834676 |  | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Mexico | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 24604.83 | 7 | 24604.83 | 7 |  | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 844007 |  | XXXX | 651 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Estados Unidos Mexicanos | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 23387.50 | 11 | 23387.50 | 11 |  | 80 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 205315 |  | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | USA | XXXX | XXXX | XXXX |  | XXXX | XXXX | Non Permanent Resident Alien |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 90657.22 | 24.8 | 80657.22 | 22.1 |  | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 172040 |  | XXXX | 650 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 6499.56 | 3 | 6499.56 | 3 |  | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 574539 |  | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien |  |  |  |  |  | Brasil | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 10133.86 | 3 | 10133.86 | 3 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 619692 |  | XXXX | 632 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Guatemala | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 18715.29 | 7 | 18715.29 | 7 |  | 80 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 308134 |  | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 13312.34 | 6 | 13312.34 | 6 |  | 95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 637735 |  | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Brasil | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 34120.52 | 11 | 34120.52 | 11 |  | 65.75 | No | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 651735 |  | XXXX | 659 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Mexico | XXXX | XXXX | XXXX |  | XXXX | XXXX | Non Permanent Resident Alien |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 69227.22 | 43 | 69227.22 | 43 |  | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 317101 |  | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 79788.55 | 31.6 | 72288.55 | 28.6 |  | 81.88 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 972444 |  | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | USA | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 24382.54 | 8.4 | 24382.54 | 8.4 |  | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 176905 |  | XXXX | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 43701.80 | 4.6 | 43701.80 | 4.6 |  | 90 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 819608 |  | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 131450.22 | 27 | 131450.22 | 27 |  | 73.05 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 847400 |  | XXXX | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Mexico | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 77293.81 | 13.4 | 77293.81 | 13.4 |  | 80 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 410574 |  | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | USA | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 8196.51 | 2 | 8196.51 | 2 |  | 44.2 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 636596 |  | XXXX | 678 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Brasil | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 89322.09 | 22.6 | 89322.09 | 22.6 |  | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 930833 |  | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | USA | XXXX | XXXX | XXXX |  | XXXX | XXXX | Non Permanent Resident Alien |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 10100.52 | 4.2 | 8600.52 | 4 |  | 85 | N/A | No | No |  | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 642406 |  | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Honduras | XXXX | XXXX | XXXX |  | XXXX | XXXX | Non Permanent Resident Alien |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 6183.95 | 3.6 | 8183.95 | 5 |  | 85 | N/A | No | No |  | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 676925 |  | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Mexico | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 15853.00 | 4 | 15853.00 | 4 |  | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 442884 |  | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Brazil | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 18736.45 | 8.9 | 13736.45 | 7 |  | 85 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 975387 |  | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | Mexico | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 199336.46 | 37 | 199336.46 | 37 |  | 80 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 666777 |  | XXXX | 752 | 0 | 772 | 710 |  |  |  | 710 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX | Non Permanent Resident Alien |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | Non Permanent Resident Alien |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 6091.06 | 1 | 6091.06 | 1 |  | 85 | N/A | No | No |  | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |  |  |  |  |

---

## Exhibit 99.4

Multi Property Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Record ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property ID** | **Loan Status** | **Loan Status Date** | **Originator** | **Property Address** | **City** | **State** | **Zip Code** | **Original Balance** | **Allocation Percent** | **Primary Appraisal Date** | **Owner Occupancy** | **Property Type** | **Primary Appraisal Value** | **Primary Appraisal Type** | **LTV** | **Reviewed Appraised Value** | **Reviewed Appraisal Type** | **Property Units** | **P&I Payment** | **T & I & A Payment** | **Monthly Taxes** | **Monthly Insurance** | **Property Acquisition Date** | **Property Acquisition Price** | **Rent** | **Type of Rent to Qualify** | **Rent in Place from Lease** | **Short Term Rent** | **Short Term Rent Source** | **Short Term Rent Term** | **Short Term Rent Term Number** | **Third Party Market Rent Estimate** | **Third Party Market Rent Source** | **Rented Flag** | **Annual HOA** | **Property Condition** | **Year Built** | **DSCR** | **Loan Release Provision** | **Percent Paydown for Release** | **Release Paydown Amount** | **Title Held As** |

---

## Exhibit 99.4

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 |
| 217912 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3495 | 6120 | Appraisal |  |  |  |  | 3495 | Appraisal | No | 61.46 |  | 2.85 | XXXX |  | 03-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36700 |  |  |  |  |  |  |  |  |  |  | No | No | 2.8 | 1 | 1 |  | 30.93 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 599516 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2900 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 75.48 | 0.78 | 0.78 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 |  | 2.4 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 1 |  | XXXX | Tenant |
| 935551 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1100 | 1100 |  |  |  |  |  | 1100 |  | No | 75.63 | 1.55 | 1.55 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 |  | 0 | No | XXXX |  | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 1 |  | XXXX | Tenant |
| 120063 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No |  | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 74.7 | 1.62 | 1.62 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No |  | 1 | 1 |  | 0 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Owner |
| 745217 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1700 | 2300 | N/A |  |  |  |  | 1700 | N/A | No | 74.8 | 1.79 | 1.81 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No |  | 1 | 1 |  | 0 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 1 |  | XXXX | Tenant |
| 180901 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4200 |  | N/A |  |  |  |  | 4200 | N/A | No | 115.95 | 0.57 | 0.57 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 |  | 0.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 187082 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No |  | 1000 | Appraisal - Narrative |  |  |  |  | 1000 | Appraisal - Narrative | No |  | 1.55 | 1.55 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 |  | 95.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 1 |  | XXXX | Vacant |
| 882622 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No |  | 17500 | Appraisal - 1007 |  |  |  |  | 17500 | Appraisal - 1007 | No | 82.5 | 1.18 | 1.18 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 |  | 9.39 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| 121832 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1300 | 1800 | Appraisal - 1007 |  |  |  |  | 1300 | Appraisal - 1007 | No | 161.75 | 0.88 | 0.88 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No |  | 1 | 1 |  | 0 | Yes | XXXX | Limited Partnership | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 1 |  | XXXX | Tenant |
| 456482 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No |  | 1050 | Appraisal |  |  |  |  | 1050 | Appraisal | No | 40.17 | 2.49 | 2.49 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 |  | 0 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 1 |  | XXXX | Tenant |
| 222581 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4750 | 3750 | Appraisal |  |  |  |  | 3750 | Appraisal | No | 122.23 | 0.79 | 0.79 | XXXX |  | 09-26-2023 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.3 | 1 | 1 |  | 0 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 884684 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 14845 | 15000 | Appraisal |  |  |  |  | 14845 | Appraisal | No | 48.01 | 2.08 | 2.08 | XXXX |  | 01-31-2024 | 24 |  | 02-28-2018 | 12 |  | 11-08-2019 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 162070 |  |  |  |  |  |  |  |  |  |  | No | No | 11.2 | 1 | 1 | N/A | 393.37 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 3 |  | XXXX | Tenant |
| 968459 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No |  | 6040 | Appraisal |  |  |  |  | 6040 | Appraisal | No | 77.9 |  | 1.28 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  |  |  |  |  |  |  |  | No | No | 122.2 | 1 | 1 | N/A | 99 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 627568 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2340 | Appraisal |  |  |  |  | 2340 | Appraisal | No | 57.83 |  | 1.73 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35000 |  |  |  |  |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 |  | 93 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| 824947 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2250 | 2700 | Appraisal |  |  |  |  | 2250 | Appraisal | No | 69.45 |  | 1.44 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.4 | 1 | 1 | N/A | 306 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 981610 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3445 | 3445 | Lease |  |  |  |  | 3445 | Lease | No | 46.69 |  | 2.14 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19303.68 |  | 245000 |  |  |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 52.42 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 731342 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal |  |  |  |  | 2900 | Appraisal | No | 66.35 |  | 1.46 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52600 |  |  |  |  |  |  |  |  |  |  | No | No | 122.2 | 1 | 1 | N/A | 10 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 245947 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3900 | 4400 | Appraisal |  |  |  |  | 3900 | Appraisal | No | 66.32 |  | 1.7 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53450 |  |  |  |  |  |  |  |  |  |  | No | No | 5.3 | 1 | 1 |  | 37.2 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 827211 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1963 | 2000 | Appraisal |  |  |  |  | 1963 | Appraisal | No | 82.34 |  | 1.21 | XXXX |  | 03-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17200 |  |  |  |  |  |  |  |  |  |  | No | No | 5.8 | 1 | 1 | N/A | 82.51 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 2 |  | XXXX | Tenant |
| 535405 | XXXX | XXXX | XXXX | XXXX | Full Doc | Present | Yes | 4400 | 6000 | Appraisal |  |  |  |  | 4400 | Appraisal | No | 128.31 |  | 0 | XXXX |  | 10-31-2021 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 67746.48 |  |  |  |  |  |  |  |  |  |  | No | No | 53.2 | 1 | 1 | N/A | 13 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 574539 | XXXX | XXXX | XXXX | XXXX | Full Doc | Present | No | 0 | 1700 | Appraisal |  |  |  |  | 1700 | Appraisal | No | 183.7 |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 126560 |  |  |  |  |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 3 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |

---

## Exhibit 99.4

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 217912 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 217912 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 217912 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 217912 |  |  | XXXX | Application Date | the1003Page | XXXX | XXXX | XXXX |
| 154521 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 154521 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 884684 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 884684 |  |  | XXXX | Application Date | the1003Page | XXXX | XXXX | XXXX |
| 884684 |  |  | XXXX | Occupancy | the1003Page | XXXX | XXXX | XXXX |
| 884684 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 968459 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 824947 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 824947 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 981610 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 731342 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 731342 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 245947 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 245947 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 245947 |  |  | XXXX | Application Date | the1003Page | XXXX | XXXX | XXXX |
| 309033 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 130230 |  |  | XXXX | Total Monthly Property Insurance Amount | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 130230 |  |  | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 876514 |  |  | XXXX | Application Date | the1003Page | XXXX | XXXX | XXXX |
| 876514 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 876514 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 876514 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 876514 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 736002 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 736002 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 582596 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 582596 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 582596 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 582596 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 600803 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 600803 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 600803 |  |  | XXXX | Total Monthly Property Insurance Amount | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 600803 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 600803 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 633872 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 633872 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 633872 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 827211 |  |  | XXXX | Property City | notePage | XXXX | XXXX | XXXX |
| 827211 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 827211 |  |  | XXXX | Total Monthly Property Insurance Amount | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 230906 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 230906 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 230906 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 600539 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 669078 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 575073 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 575073 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 575073 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 575073 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 575073 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 575073 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 966429 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 535405 |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | XXXX |
| 535405 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 535405 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 535405 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 535405 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 791629 |  |  | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 791629 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 549313 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 549313 |  |  | XXXX | Total Monthly Property Insurance Amount | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 549313 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 834676 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 834676 |  |  | XXXX | Application Date | the1003Page | XXXX | XXXX | XXXX |
| 844007 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 844007 |  |  | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 844007 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 844007 |  |  | XXXX | Total Monthly Property Insurance Amount | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 844007 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 205315 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 172040 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 172040 |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | XXXX |
| 172040 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 574539 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 574539 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 574539 |  |  | XXXX | Application Date | the1003Page | XXXX | XXXX | XXXX |
| 574539 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 619692 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 619692 |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | XXXX |
| 619692 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 308134 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 308134 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 637735 |  |  | XXXX | Term | notePage | XXXX | XXXX | XXXX |
| 637735 |  |  | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| 637735 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 637735 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 637735 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 651735 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 651735 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 651735 |  |  | XXXX | Application Date | the1003Page | XXXX | XXXX | XXXX |
| 317101 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 317101 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 972444 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 972444 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 972444 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 176905 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 819608 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 847400 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 847400 |  |  | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 847400 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 410574 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 636596 |  |  | XXXX | Total Monthly Property Insurance Amount | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 636596 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 636596 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 636596 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 636596 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 930833 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 642406 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 676925 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 676925 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 442884 |  |  | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 442884 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 442884 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 442884 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 442884 |  |  | XXXX | Borrower 1 SSN | the1003Page | XXXX | XXXX | XXXX |
| 442884 |  |  | XXXX | Total Monthly Property Insurance Amount | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 442884 |  |  | XXXX | Application Date | the1003Page | XXXX | XXXX | XXXX |
| 975387 |  |  | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 975387 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 666777 |  |  | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |

---

## Exhibit 99.5

**Exhibit 99.5**

![](coviuslogo.jpg)

Executive Summary <br> BRAVO 2026-NQMR1

&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 CorrespondentSellers and acquired directly (or indirectly) by Loan Funding Structure LLC through Reliance Letters. The loan reviews were conducted from January 2022 through June 2022 by CRES.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Number of Assets.

There were 235 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 DueDiligence 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;● U.S. RMBS Rating Criteria dated October 1, 2025 |

---

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 235 mortgage loans with an aggregate original principal balance of approximately $109,343,412. The mortgage loans originated from January 2022 through June 2022.

&nbsp;&nbsp;&nbsp;&nbsp;(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:

**Credit Review and Methodology**

Page 1 of 11

**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).

**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.

**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

Page 2 of 11

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.

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).

Page 3 of 11

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:

● Cook County High-Cost Ordinance

● 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).

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.

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

&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

Page 5 of 11

of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

*<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:

&nbsp;&nbsp;&nbsp;&nbsp;(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;149 | &nbsp;&nbsp;&nbsp;65.33% |
| &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;86 | &nbsp;&nbsp;&nbsp;34.67% |

---

**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):

● Appraisal.

● Asset
 documentation.

● Business Purpose
 Certification (if applicable)

● Changed circumstance
 documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing
 Disclosure(s).

● Hazard
 and/or flood insurance policies.

● HUD
 from sale of previous residence.

● Homeownership
 counseling organizations disclosure.

● Income
 and employment documentation.

● Initial
 and final GFE's.

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

● Initial
 application (1003).

● Initial
 escrow disclosure.

● Initial
 TIL.

● Leases

● Loan
 Estimate(s).

● Market
 Rent supporting documentation

● Mortgage
 Insurance.

● Mortgage/Deed
 of Trust.

● Note.

● Notice
 of Special Flood Hazards.

● Sales
 contract.

● Tangible
 Net Benefit Disclosure.

● Title/Preliminary
 Title.

● Written
 List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;(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;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Type | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;&nbsp;CLTV | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;QM Type |
| &nbsp;&nbsp;&nbsp;DSCR | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;P&I Payment |  |
| &nbsp;&nbsp;&nbsp;DTI | &nbsp;&nbsp;LTV | &nbsp;&nbsp;Property City |  |
| &nbsp;&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 235 mortgage loans reviewed, seventy-three 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.

---

| | | | |
|:---|:---|:---|:---|
| **Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| **Appraised Value** | &nbsp;&nbsp;219 | &nbsp;&nbsp;16 | &nbsp;&nbsp;235 |
| **CLTV** | &nbsp;&nbsp;225 | &nbsp;&nbsp;10 | &nbsp;&nbsp;235 |
| **Doc Level** | &nbsp;&nbsp;235 | &nbsp;&nbsp;0 | &nbsp;&nbsp;235 |
| **DSCR\*** | &nbsp;&nbsp;235 | &nbsp;&nbsp;0 | &nbsp;&nbsp;235 |
| **DTI** | &nbsp;&nbsp;234 | &nbsp;&nbsp;1 | &nbsp;&nbsp;235 |
| **FICO** | &nbsp;&nbsp;204 | &nbsp;&nbsp;31 | &nbsp;&nbsp;235 |
| **First Payment Date** | &nbsp;&nbsp;235 | &nbsp;&nbsp;0 | &nbsp;&nbsp;235 |
| **Interest Rate** | &nbsp;&nbsp;216 | &nbsp;&nbsp;19 | &nbsp;&nbsp;235 |
| **Lien Position** | &nbsp;&nbsp;235 | &nbsp;&nbsp;0 | &nbsp;&nbsp;235 |
| **Loan Term** | &nbsp;&nbsp;235 | &nbsp;&nbsp;0 | &nbsp;&nbsp;235 |
| **LTV** | &nbsp;&nbsp;224 | &nbsp;&nbsp;11 | &nbsp;&nbsp;235 |
| **Note Date\*** | &nbsp;&nbsp;235 | &nbsp;&nbsp;0 | &nbsp;&nbsp;235 |

---

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---

| | | | |
|:---|:---|:---|:---|
| **Note Type** | &nbsp;&nbsp;234 | &nbsp;&nbsp;1 | &nbsp;&nbsp;235 |
| **Occupancy** | &nbsp;&nbsp;235 | &nbsp;&nbsp;0 | &nbsp;&nbsp;235 |
| **Original Balance** | &nbsp;&nbsp;235 | &nbsp;&nbsp;0 | &nbsp;&nbsp;235 |
| **P&I Payment** | &nbsp;&nbsp;235 | &nbsp;&nbsp;0 | &nbsp;&nbsp;235 |
| **Property City** | &nbsp;&nbsp;234 | &nbsp;&nbsp;1 | &nbsp;&nbsp;235 |
| **Property State** | &nbsp;&nbsp;234 | &nbsp;&nbsp;1 | &nbsp;&nbsp;235 |
| **Property Zip** | &nbsp;&nbsp;233 | &nbsp;&nbsp;2 | &nbsp;&nbsp;235 |
| **Purpose** | &nbsp;&nbsp;213 | &nbsp;&nbsp;22 | &nbsp;&nbsp;235 |
| **QM Type\*** | &nbsp;&nbsp;235 | &nbsp;&nbsp;0 | &nbsp;&nbsp;235 |
| \* Tape data was not available. | \* Tape data was not available. | \* Tape data was not available. | \* Tape data was not available. |
| DTI Variance Threshold Applied: 3% | DTI Variance Threshold Applied: 3% | DTI Variance Threshold Applied: 3% | 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.

&nbsp;&nbsp;&nbsp;&nbsp;(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 85.53% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;201 | &nbsp;&nbsp;85.53% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;34 | &nbsp;&nbsp;14.47% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of the mortgage loans by number have a Compliance grade of "B" or higher and 99.57% of the mortgage loans by number have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;234 | &nbsp;&nbsp;99.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "B" or higher and 98.72% of the mortgage loans by number have a Valuation grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;232 | &nbsp;&nbsp;98.72% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |

---

Page 8 of 11

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 84.26% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;198 | &nbsp;&nbsp;84.26% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;37 | &nbsp;&nbsp;15.74% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |

---

&nbsp;&nbsp;&nbsp;&nbsp;(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;235 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.78% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;230 | &nbsp;&nbsp;98.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;81 | &nbsp;&nbsp;32.89% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;149 | &nbsp;&nbsp;65.33% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.78% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;133 | &nbsp;&nbsp;56.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;89 | &nbsp;&nbsp;38.67% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;13 | &nbsp;&nbsp;5.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;113 | &nbsp;&nbsp;48.09% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;44 | &nbsp;&nbsp;18.72% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;57 | &nbsp;&nbsp;24.26% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;19 | &nbsp;&nbsp;8.09% |
| &nbsp;&nbsp;**Co-op** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | &nbsp;&nbsp;9 | &nbsp;&nbsp;8.82% |

---

Page 9 of 11

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;9 | &nbsp;&nbsp;8.82% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;17 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;35 | &nbsp;&nbsp;34.31% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;31 | &nbsp;&nbsp;30.39% |
| &nbsp;&nbsp;**50%-60.00%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp; **102** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**A total of 133 loans in the pool were underwritten under either a Debt Service Coverage Ratio ("DSCR") loan program (129 loans) or a No Ratio loan program (4 loans).** | &nbsp;&nbsp;**A total of 133 loans in the pool were underwritten under either a Debt Service Coverage Ratio ("DSCR") loan program (129 loans) or a No Ratio loan program (4 loans).** | &nbsp;&nbsp;**A total of 133 loans in the pool were underwritten under either a Debt Service Coverage Ratio ("DSCR") loan program (129 loans) or a No Ratio loan program (4 loans).** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**<0 or** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0-0.1999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0.2-0.3999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0.4-0.5999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0.6-0.7999** | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.65% |
| &nbsp;&nbsp;**0.8-.9999** | &nbsp;&nbsp;18 | &nbsp;&nbsp;13.95% |
| &nbsp;&nbsp;**1-1.1999** | &nbsp;&nbsp;59 | &nbsp;&nbsp;45.74% |
| &nbsp;&nbsp;**1.2-1.3999** | &nbsp;&nbsp;23 | &nbsp;&nbsp;17.83% |
| &nbsp;&nbsp;**1.4-1.5999** | &nbsp;&nbsp;10 | &nbsp;&nbsp;7.75% |
| &nbsp;&nbsp;**1.6-1.7999** | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;**1.8-1.9999** | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.10% |
| &nbsp;&nbsp;**=>2** | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp; **129** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.98% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.40% |
| &nbsp;&nbsp;**50%-59.99%** | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.96% |
| &nbsp;&nbsp;**60%-69.99%** | &nbsp;&nbsp;29 | &nbsp;&nbsp;12.34% |
| &nbsp;&nbsp;**70%-79.99%** | &nbsp;&nbsp;96 | &nbsp;&nbsp;40.85% |
| &nbsp;&nbsp;**80%-89.99%** | &nbsp;&nbsp;64 | &nbsp;&nbsp;27.23% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.96% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| **AL** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| **AZ** | &nbsp;&nbsp;11 | &nbsp;&nbsp;4.89% |
| **CA** | &nbsp;&nbsp;67 | &nbsp;&nbsp;28.44% |
| **CO** | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.67% |
| **CT** | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.78% |

---

Page 10 of 11

---

| | | |
|:---|:---|:---|
| **DE** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| **FL** | &nbsp;&nbsp;49 | &nbsp;&nbsp;21.78% |
| **GA** | &nbsp;&nbsp;10 | &nbsp;&nbsp;4.44% |
| **IL** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| **IN** | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.22% |
| **LA** | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.89% |
| **MA** | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.22% |
| **MD** | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.89% |
| **MI** | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.89% |
| **MN** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| **MO** | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.89% |
| **MT** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| **NC** | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.89% |
| **NJ** | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.78% |
| **NV** | &nbsp;&nbsp;9 | &nbsp;&nbsp;4.00% |
| **NY** | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.78% |
| **OH** | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.33% |
| **OK** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| **RI** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| **SC** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| **TN** | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.22% |
| **TX** | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.67% |
| **UT** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| **VA** | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.67% |
| **WA** | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.67% |
| **WI** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |

---

Page 11 of 11

## Exhibit 99.5

![](covius_logo.jpg)

**ATR QM Data Fields**

*Loans in Report: 235*

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXXX | 398898 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 907137 | Not covered/exempt | No | No |
| XXXXXXXXX | 700941 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 714989 | Not covered/exempt | No | No |
| XXXXXXXXX | 879543 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 127318 | Not covered/exempt | No | No |
| XXXXXXXXX | 106481 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 991262 | Not covered/exempt | No | No |
| XXXXXXXXX | 883040 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 354705 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 766174 | Not covered/exempt | No | No |
| XXXXXXXXX | 416268 | Not covered/exempt | No | No |
| XXXXXXXXX | 557263 | Not covered/exempt | No | No |
| XXXXXXXXX | 139727 | Not covered/exempt | No | No |
| XXXXXXXXX | 364143 | Not covered/exempt | No | No |
| XXXXXXXXX | 342317 | Not covered/exempt | No | No |
| XXXXXXXXX | 847072 | Not covered/exempt | No | No |
| XXXXXXXXX | 662046 | Not covered/exempt | No | No |
| XXXXXXXXX | 913205 | Not covered/exempt | No | No |
| XXXXXXXXX | 550008 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 903397 | Not covered/exempt | No | No |
| XXXXXXXXX | 544509 | Not covered/exempt | No | No |
| XXXXXXXXX | 425129 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 122166 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 348864 | Not covered/exempt | No | No |
| XXXXXXXXX | 134160 | Not covered/exempt | No | No |
| XXXXXXXXX | 672063 | Not covered/exempt | No | No |
| XXXXXXXXX | 795600 | Not covered/exempt | No | No |
| XXXXXXXXX | 661683 | Not covered/exempt | No | No |
| XXXXXXXXX | 715450 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 426389 | Not covered/exempt | No | No |
| XXXXXXXXX | 857469 | Not covered/exempt | No | No |
| XXXXXXXXX | 502133 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 940059 | Not covered/exempt | No | No |
| XXXXXXXXX | 668710 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 374887 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 465214 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 784306 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 845288 | Not covered/exempt | No | No |
| XXXXXXXXX | 330738 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 331799 | Not covered/exempt | No | No |
| XXXXXXXXX | 488802 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 316737 | Not covered/exempt | No | No |
| XXXXXXXXX | 745078 | Not covered/exempt | No | No |
| XXXXXXXXX | 818871 | Not covered/exempt | No | No |
| XXXXXXXXX | 187013 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 419383 | Not covered/exempt | No | No |
| XXXXXXXXX | 433601 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 423331 | Not covered/exempt | No | No |
| XXXXXXXXX | 478135 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 345641 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 367514 | Not covered/exempt | No | No |
| XXXXXXXXX | 701089 | Not covered/exempt | No | No |
| XXXXXXXXX | 515328 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 149744 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 611680 | Not covered/exempt | No | No |
| XXXXXXXXX | 226604 | Not covered/exempt | No | No |
| XXXXXXXXX | 543495 | Not covered/exempt | No | No |
| XXXXXXXXX | 429485 | Not covered/exempt | No | No |
| XXXXXXXXX | 451416 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 485452 | Not covered/exempt | No | No |
| XXXXXXXXX | 808803 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 239501 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 345095 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 533086 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 751627 | Not covered/exempt | No | No |
| XXXXXXXXX | 303744 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 331377 | Not covered/exempt | No | No |
| XXXXXXXXX | 795675 | Not covered/exempt | No | No |
| XXXXXXXXX | 660881 | Not covered/exempt | No | No |
| XXXXXXXXX | 643474 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 822815 | Not covered/exempt | No | No |
| XXXXXXXXX | 381211 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 648454 | Not covered/exempt | No | No |
| XXXXXXXXX | 833394 | Not covered/exempt | No | No |
| XXXXXXXXX | 506108 | Not covered/exempt | No | No |
| XXXXXXXXX | 656481 | Not covered/exempt | No | No |
| XXXXXXXXX | 607708 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 161901 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 361105 | Not covered/exempt | No | No |
| XXXXXXXXX | 186117 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 273837 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 944996 | Not covered/exempt | No | No |
| XXXXXXXXX | 891616 | Not covered/exempt | No | No |
| XXXXXXXXX | 703967 | Not covered/exempt | No | No |
| XXXXXXXXX | 848928 | Not covered/exempt | No | No |
| XXXXXXXXX | 294594 | Not covered/exempt | No | No |
| XXXXXXXXX | 181785 | Not covered/exempt | No | No |
| XXXXXXXXX | 363292 | Not covered/exempt | No | No |
| XXXXXXXXX | 769121 | Not covered/exempt | No | No |
| XXXXXXXXX | 910899 | Not covered/exempt | No | No |
| XXXXXXXXX | 459636 | Not covered/exempt | No | No |
| XXXXXXXXX | 963568 | Not covered/exempt | No | No |
| XXXXXXXXX | 937231 | Not covered/exempt | No | No |
| XXXXXXXXX | 266743 | Not covered/exempt | No | No |
| XXXXXXXXX | 704825 | Not covered/exempt | No | No |
| XXXXXXXXX | 620339 | Not covered/exempt | No | No |
| XXXXXXXXX | 469191 | Not covered/exempt | No | No |
| XXXXXXXXX | 963303 | Not covered/exempt | No | No |
| XXXXXXXXX | 340079 | Not covered/exempt | No | No |
| XXXXXXXXX | 952777 | Not covered/exempt | No | No |
| XXXXXXXXX | 305081 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 533849 | Not covered/exempt | No | No |
| XXXXXXXXX | 517477 | Not covered/exempt | No | No |
| XXXXXXXXX | 156352 | Not covered/exempt | No | No |
| XXXXXXXXX | 363819 | Not covered/exempt | No | No |
| XXXXXXXXX | 984912 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 759153 | Not covered/exempt | No | No |
| XXXXXXXXX | 700638 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 541984 | Not covered/exempt | No | No |
| XXXXXXXXX | 438630 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 950894 | Not covered/exempt | No | No |
| XXXXXXXXX | 592033 | Not covered/exempt | No | No |
| XXXXXXXXX | 588800 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 416816 | Not covered/exempt | No | No |
| XXXXXXXXX | 614730 | Not covered/exempt | No | No |
| XXXXXXXXX | 928492 | Not covered/exempt | No | No |
| XXXXXXXXX | 614900 | Not covered/exempt | No | No |
| XXXXXXXXX | 276070 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 862212 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 948542 | Not covered/exempt | No | No |
| XXXXXXXXX | 762631 | Not covered/exempt | No | No |
| XXXXXXXXX | 944542 | Not covered/exempt | No | No |
| XXXXXXXXX | 201001 | Not covered/exempt | No | No |
| XXXXXXXXX | 953930 | Not covered/exempt | No | No |
| XXXXXXXXX | 335917 | Not covered/exempt | No | No |
| XXXXXXXXX | 175100 | Not covered/exempt | No | No |
| XXXXXXXXX | 802372 | Not covered/exempt | No | No |
| XXXXXXXXX | 345439 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 704482 | Not covered/exempt | No | No |
| XXXXXXXXX | 405094 | Not covered/exempt | No | No |
| XXXXXXXXX | 927297 | Not covered/exempt | No | No |
| XXXXXXXXX | 996963 | Not covered/exempt | No | No |
| XXXXXXXXX | 225676 | Not covered/exempt | No | No |
| XXXXXXXXX | 284065 | Not covered/exempt | No | No |
| XXXXXXXXX | 255369 | Not covered/exempt | No | No |
| XXXXXXXXX | 131941 | Not covered/exempt | No | No |
| XXXXXXXXX | 488689 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 412281 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 983588 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 902916 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 272134 | Not covered/exempt | No | No |
| XXXXXXXXX | 398359 | Not covered/exempt | No | No |
| XXXXXXXXX | 383632 | Not covered/exempt | No | No |
| XXXXXXXXX | 748326 | Not covered/exempt | No | No |
| XXXXXXXXX | 967361 | Not covered/exempt | No | No |
| XXXXXXXXX | 920921 | Not covered/exempt | No | No |
| XXXXXXXXX | 496884 | Not covered/exempt | No | No |
| XXXXXXXXX | 769168 | Not covered/exempt | No | No |
| XXXXXXXXX | 744536 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 627886 | Not covered/exempt | No | No |
| XXXXXXXXX | 336245 | Not covered/exempt | No | No |
| XXXXXXXXX | 297271 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 521748 | Not covered/exempt | No | No |
| XXXXXXXXX | 775202 | Not covered/exempt | No | No |
| XXXXXXXXX | 360027 | Not covered/exempt | No | No |
| XXXXXXXXX | 994809 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 563970 | Not covered/exempt | No | No |
| XXXXXXXXX | 717817 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 929902 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 631765 | Not covered/exempt | No | No |
| XXXXXXXXX | 119484 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 474913 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 355093 | Not covered/exempt | No | No |
| XXXXXXXXX | 374837 | Not covered/exempt | No | No |
| XXXXXXXXX | 815287 | Not covered/exempt | No | No |
| XXXXXXXXX | 827839 | Not covered/exempt | No | No |
| XXXXXXXXX | 924500 | Not covered/exempt | No | No |
| XXXXXXXXX | 906038 | Not covered/exempt | No | No |
| XXXXXXXXX | 396576 | Not covered/exempt | No | No |
| XXXXXXXXX | 727015 | Not covered/exempt | No | No |
| XXXXXXXXX | 564882 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 303268 | Not covered/exempt | No | No |
| XXXXXXXXX | 288866 | Not covered/exempt | No | No |
| XXXXXXXXX | 330243 | Not covered/exempt | No | No |
| XXXXXXXXX | 590841 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 385730 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 117271 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 365056 | Not covered/exempt | No | No |
| XXXXXXXXX | 212843 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 751449 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 500479 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 752802 | Not covered/exempt | No | No |
| XXXXXXXXX | 432283 | Not covered/exempt | No | No |
| XXXXXXXXX | 324302 | Not covered/exempt | No | No |
| XXXXXXXXX | 975434 | Not covered/exempt | No | No |
| XXXXXXXXX | 253414 | Not covered/exempt | No | No |
| XXXXXXXXX | 949532 | Not covered/exempt | No | No |
| XXXXXXXXX | 255251 | Not covered/exempt | No | No |
| XXXXXXXXX | 456652 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 147506 | Not covered/exempt | No | No |
| XXXXXXXXX | 830855 | Not covered/exempt | No | No |
| XXXXXXXXX | 628342 | Not covered/exempt | No | No |
| XXXXXXXXX | 332253 | Not covered/exempt | No | No |
| XXXXXXXXX | 960524 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 259786 | Not covered/exempt | No | No |
| XXXXXXXXX | 827275 | Not covered/exempt | No | No |
| XXXXXXXXX | 724509 | Not covered/exempt | No | No |
| XXXXXXXXX | 584710 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 542514 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 116146 | Not covered/exempt | No | No |
| XXXXXXXXX | 528892 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 400409 | Not covered/exempt | No | No |
| XXXXXXXXX | 146920 | Not covered/exempt | No | No |
| XXXXXXXXX | 455672 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 328888 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 601310 | Not covered/exempt | No | No |
| XXXXXXXXX | 530732 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 499137 | Not covered/exempt | No | No |
| XXXXXXXXX | 109646 | Not covered/exempt | No | No |
| XXXXXXXXX | 895425 | Not covered/exempt | No | No |
| XXXXXXXXX | 428893 | Not covered/exempt | No | No |
| XXXXXXXXX | 850963 | Not covered/exempt | No | No |
| XXXXXXXXX | 572264 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 746093 | Not covered/exempt | No | No |
| XXXXXXXXX | 101628 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 146338 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 816515 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 435352 | Not covered/exempt | No | No |
| XXXXXXXXX | 603075 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 186294 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 154862 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 727235 | Not covered/exempt | No | No |
| XXXXXXXXX | 568329 | Not covered/exempt | No | No |
| XXXXXXXXX | 794650 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 358614 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 747229 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 632568 | Not covered/exempt | No | No |
| XXXXXXXXX | 628069 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 276094 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 557388 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 785493 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 952454 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 907635 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXX | 487355 | Non-QM: Compliant with ATR | No | Yes |
| **235** |  |  |  |  |

---

## Exhibit 99.5

**Rating Agency Exceptions Report: 4/14/2026**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXXXXXX | 907137 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | Condo Attached | 0 | 1.4184 | 740 | 62.67% | XXXXXXX | 226831 | Credit | Note | Terms of the prepayment penalty not completed on the PPP Rider. | 02/10/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 127318 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.9228 | 727 | 80.00% | XXXXXXX | 227672 | Compliance | Prepayment Notice - Gov | The Prepayment Addendum is missing from the loan file. | 02/10/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 106481 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 42.38 |  | 746 | 67.07% | XXXXXXX | 230573 | Credit | Employment-Self Employment | Validation of a minimum of XXXX years existence of the business is required. Borrower has been in the business less than XXXX years. Started business in XXXX and file does not contain an exception form. | 02/24/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 883040 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 9.63 |  | 732 | 70.00% | XXXXXXX | 229117 | Credit | Other | According to the guidelines, XXXX months of seasoning is required for a cash-out transaction. The borrower purchased the property on XXXX and the application date was XXXX. The exception form in the file does not indicate that the exception was granted. | 2/24/22: An exception approval was provided for the guideline deviation. | Months Of Reserves - XXXX+ months in reserves, DTI - DTI of 9.63% and maximum of 50% | Client Accepted B | 2 |
| XXXXXXXX | 883040 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 9.63 |  | 732 | 70.00% | XXXXXXX | 229219 | Credit | Program Eligibilty | The approved LTV of XXXX% exceeds the LTV maximum of XXXX% for Asset Utilization. | 2/24/22: Exception provided does not address the XXXX% LTV deviation from guidelines. 03/02/22: An exception approval was provided for the guideline deviation. | Months Of Reserves - XXXX+ months in reserves, DTI - DTI of 9.63% and maximum of 50% | Client Accepted B | 2 |
| XXXXXXXX | 883040 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 9.63 |  | 732 | 70.00% | XXXXXXX | 229220 | Credit | Program Eligibilty | The cash-out proceeds of $XXXX exceeds the guideline maximum of $XXXX with LTV XXXX% - XXXX%. The exception form in the file does not indicate that the exception was granted. | 2/24/22: An exception approval was provided for the guideline deviation. | Months Of Reserves - XXXX+ months in reserves, DTI - DTI of 9.63% and maximum of 50% | Client Accepted B | 2 |
| XXXXXXXX | 354705 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 49.96 |  | 689 | 41.95% | XXXXXXX | 228542 | Credit | Funds to Close | The verified reserves of XXXX months is less than the guideline (DU) minimum of XXXX months. | 02/16/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 766174 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.2067 | 761 | 74.99% | XXXXXXX | 227977 | Property | Appraisal | CDA appraisal review is not in the loan file. | 02/08/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 766174 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.2067 | 761 | 74.99% | XXXXXXX | 227978 | Credit | Note | Missing page 2 of the Note. | 2/9/22: Still missing pg 2 of note. 02/09/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 766174 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.2067 | 761 | 74.99% | XXXXXXX | 227979 | Credit | Deed of Trust / Mortgage | Missing page 1 of the Deed of Trust. | 02/08/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 766174 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.2067 | 761 | 74.99% | XXXXXXX | 227982 | Credit | Note / Deed of Trust / Mortgage | Prepayment terms not complete on the Prepayment Addendum. | 02/09/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 416268 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.2778 | 761 | 74.99% | XXXXXXX | 227853 | Compliance | Other | The Prepayment Addendum does not reflect the terms of the prepayment penalty | 02/09/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 557263 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.112 | 761 | 74.99% | XXXXXXX | 227936 | Compliance | Other | The Prepayment Addendum does not reflect the terms of the prepayment penalty. | 02/09/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 557263 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.112 | 761 | 74.99% | XXXXXXX | 227937 | Credit | Funds to Close | The Seller's Closing Disclosure from sale of other property verifying proceeds used for subject property funds to close is not in the file. | 02/08/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 139727 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.013 | 799 | 63.48% | XXXXXXX | 226777 | Credit | Note | The terms of the prepayment penalty on the Prepayment Addendum to Note are not completed. | 02/07/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 364143 | XXXXXXX | Purchase | Non-Owner Occupied | Condo Detached | 0 | 0.8455 | 745 | 75.00% | XXXXXXX | 228149 | Credit | Debt Service Coverage Ratio | DSCR of .XXXX is less than the guideline minimum of 1 for a 1st time investor. | An exception approval was provided for the guideline deviation. | Credit Score - 745 qualifying FICO exceeds 20+ over guideline requirement, Reserves - customer reserves exceeds well above XXXX month required as per guidelines | Client Accepted B | 2 |
| XXXXXXXX | 364143 | XXXXXXX | Purchase | Non-Owner Occupied | Condo Detached | 0 | 0.8455 | 745 | 75.00% | XXXXXXX | 228213 | Property | Appraisal | CDA appraisal review is not in the loan file. | 02/18/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 847072 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | PUD | 0 | 0.9387 | 769 | 70.00% | XXXXXXX | 227219 | Property | Appraisal | Incorrect zip code of XXXX is listed on loan documents including Note, Deed of Trust and final 1003. Per appraisal and USPS, correct zip code is XXXX. | 02/17/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 847072 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | PUD | 0 | 0.9387 | 769 | 70.00% | XXXXXXX | 227223 | Credit | Closing Disclosure | Final Closing Disclosure/ Settlement Statement is missing from the loan file. | 02/09/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 662046 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.1704 | 807 | 80.00% | XXXXXXX | 229124 | Credit | Final 1003 Discrepancies | The borrower's primary residence address in section 1a on the final 1003 (XXXX) does not match the primary residence in section 3a (XXXX). | 02/16/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 662046 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.1704 | 807 | 80.00% | XXXXXXX | 229125 | Property | Appraisal | CDA appraisal review not in the loan file. | 02/16/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 903397 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 |  | 803 | 38.89% | XXXXXXX | 230394 | Property | Appraisal | Per guidelines all loans require a desk review or other third-party valuation product by an approved vendor. | 02/18/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 544509 | XXXXXXX | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 0.9064 | 745 | 75.00% | XXXXXXX | 227334 | Property | Appraisal | CDA appraisal review is not in the loan file. | 02/02/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 544509 | XXXXXXX | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 0.9064 | 745 | 75.00% | XXXXXXX | 227335 | Credit | 1008 | Final 1008 is not included in the loan file for a manually underwritten loan. | 02/02/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 425129 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 40.88 |  | 797 | 70.00% | XXXXXXX | 232860 | Compliance | Other | Per the Tracking Disclosure, missing CD dated XXXX and post-closing CD dated XXXX | 03/16/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 425129 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 40.88 |  | 797 | 70.00% | XXXXXXX | 232943 | Compliance | Other | Discounts Points increased to $962.50 without a COC. | 03/16/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 122166 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 25.33 |  | 725 | 80.00% | XXXXXXX | 230767 | Compliance | Right of Rescission | Please provide the Right of Rescission document for this loan file. | 03/08/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 134160 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.1244 | 743 | 70.00% | XXXXXXX | 234438 | Credit | Borrower Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 03/30/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 134160 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.1244 | 743 | 70.00% | XXXXXXX | 234439 | Credit | 1008 | The 1008 is missing from the loan file. | 03/30/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 134160 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.1244 | 743 | 70.00% | XXXXXXX | 234738 | Credit | Credit | According to the guidelines, the maximum number of financed properties to any one borrower is limited to XXXX residential properties. | 04/01/22: An exception approval was provided for the guideline deviation. | Credit Score - The borrowers Fico is 743, Months Of Reserves - Borrower has XXXX months of reserves | Client Accepted B | 2 |
| XXXXXXXX | 661683 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.8788 | 730 | 75.00% | XXXXXXX | 229158 | Credit | VOM | According to the guidelines, borrowers living rent free may be considered on a case by case basis. An exception approval is not in the loan file. | 2/28/22: Exception has not been uploaded.<br> 03/07/2022: XXXX approved the borrower living rent free. | Months Of Reserves - XXXX months of reserves verified. , Credit Score - 730 Fico | Client Accepted B | 2 |
| XXXXXXXX | 715450 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 21.52 |  | 742 | 78.69% | XXXXXXX | 231804 | Compliance | Other | Per the Disclosure Tracking, missing post-closing CD dated XXXX | 3/7/2022: Post closing CD provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 426389 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 35.59 |  | 716 | 80.00% | XXXXXXX | 230516 | Property | Appraisal | CDA appraisal review is missing from the loan file. | 02/18/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 668710 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 23.17 |  | 792 | 65.00% | XXXXXXX | 230517 | Credit | Program Eligibilty | According to the guidelines, borrowers may not own an additional single-family residence of equal or greater value than subject property. The borrower's departing residence was disclosed on the final loan application as having a value of $XXXX. The subject property appraised value is $XXXX. | 02/24/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 668710 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 23.17 |  | 792 | 65.00% | XXXXXXX | 230521 | Credit | Income | The loan file does not include XXXX months of business or personal bank statements used to verify the qualifying income. | 02/24/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 668710 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 23.17 |  | 792 | 65.00% | XXXXXXX | 230523 | Credit | Credit | Documentation verifying the taxes, insurance, and HOA, if applicable, for the departing residence at XXXX. is not in the loan file. | 02/24/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 668710 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 23.17 |  | 792 | 65.00% | XXXXXXX | 230667 | Credit | Closing Disclosure | The Seller Closing Disclosure is not included in the loan file. | 02/22/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 465214 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 36.93 |  | 771 | 25.05% | XXXXXXX | 231690 | Compliance | Other | This loan failed the TILA right of rescission test. The rescission period ended on XXXX which is the same date of the disbursement date of XXXX from the final CD. | 03/08/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 784306 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 37.88 |  | 749 | 66.29% | XXXXXXX | 230653 | Credit | Credit | Missing page 3 of final CD. | 02/24/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 845288 | XXXXXXX | Purchase | Non-Owner Occupied | Townhome | 0 | 1.7386 | 684 | 60.00% | XXXXXXX | 231850 | Credit | Credit Report | According to the guidelines, a minimum of XXXX years seasoning (or XXXX years with LLPA) is required after a housing event. The credit report reflects foreclosure activity as recently as XXXX | 3/8/22: Credit report reflects XXXX and XXXX as recently as XXXX which is considered a housing event per guidelines. Please provide an exception. 03/16/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 845288 | XXXXXXX | Purchase | Non-Owner Occupied | Townhome | 0 | 1.7386 | 684 | 60.00% | XXXXXXX | 231852 | Credit | Credit | Evidence borrower's primary residence is owned free and clear is not in the loan file. | 3/8/22: XXXX report provided is for XXXX. The primary residence is XXXX. 03/09/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 331799 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 44.49 |  | 739 | 57.50% | XXXXXXX | 232418 | Credit | Employment-Self Employment | Provide an internet search of the business to support the business narrative. | 03/11/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 331799 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 44.49 |  | 739 | 57.50% | XXXXXXX | 232426 | Credit | Final 1003 | Provide a final 1003 that reflects the co-borrower's income | 03/22/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 331799 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 44.49 |  | 739 | 57.50% | XXXXXXX | 232502 | Credit | Credit | Final 1003 reflects the borrowers own primary residence; however, the property is not listed in the REO (Section 3). | 03/22/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 488802 | XXXXXXX | Purchase | Owner Occupied | PUD | 21.9 |  | 712 | 80.00% | XXXXXXX | 232091 | Credit | Income | Missing XXXX months of business bank statements to calculate qualifying income. The loan file only contains one complete statement for XXXX dated XXXX | 03/11/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 488802 | XXXXXXX | Purchase | Owner Occupied | PUD | 21.9 |  | 712 | 80.00% | XXXXXXX | 232233 | Credit | LTV | The approved LTV of XXXX% is greater the maximum allowed LTV of XXXX% for a credit score of XXXX and loan amount > $XXXX. The borrowers both own XXXX% of the business and the lower of the 2 mid scores is XXXX. | 03/11/22: An exception approval was provided for the guideline deviation. | Months Of Reserves - XXXX months of reserves, Prior Mortgage History - XXXX | Client Accepted B | 2 |
| XXXXXXXX | 433601 | XXXXXXX | Rate Term Refi | Owner Occupied | Single Family Detached | 49.76 |  | 785 | 52.95% | XXXXXXX | 233293 | Credit | Credit | A third party fraud detection report is not in the loan file. | 03/18/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 423331 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 45.62 |  | 721 | 80.00% | XXXXXXX | 231799 | Credit | Credit | Please provide a housing payment for XXXX which included the Principle, Interest, Taxes, Insurance and HOA fees. | 03/10/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 423331 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 45.62 |  | 721 | 80.00% | XXXXXXX | 231802 | Credit | Income | Provide XXXX months of business bank statements must be provided to validate borrower utilizes separate bank account when using personal bank statements to verify qualifying income. | 3/10/22: cleared as a XXXX% expense factor was applied. |  | Cleared Exception B | 1 |
| XXXXXXXX | 423331 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 45.62 |  | 721 | 80.00% | XXXXXXX | 232029 | Credit | Program Eligibilty | The debt to income ratio of XXXX% exceeds the maximum amount of XXXX%. | 03/14/2022: The 1008 does not include the borrowers residence at XXXX as indicated on the VOR in file (pg 40). Borrower indicated he is leasing this property however it does not appear to have been included in the DTI. 3/15/22: The $XXXXrent amount is reflected as a debt on the final 1003; however, this debt is not included in "All Other Monthly Payments" on 1008 or the DTI. 3/24/22: Per revised 1008, installment debt of $XXXX was excluded but this debt is paid from the personal bank account. Unable to exclude as a "business debt".<br> 3/30/2022: XXXX verified that debts may be excluded from personal accounts if account is treated as a business account. |  | Cleared Exception B | 1 |
| XXXXXXXX | 423331 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 45.62 |  | 721 | 80.00% | XXXXXXX | 232785 | Credit | VOM | According to the underwriting guidelines, XXXX months proof of payment via cancelled checks, bank debits or institutional VOR is required to verify a housing history. In this case the borrower is renting their primary residence to a private party and pays cash payments. | An exception dated XXXX was included in the file allowing the guideline deviation. | Credit Score - The borrowers Fico of 721 is 61 points greater than the minimum required Fico of 660., Months Of Reserves - XXXX months of reserves | Client Accepted B | 2 |
| XXXXXXXX | 345641 | XXXXXXX | Purchase | Owner Occupied | Single Family Attached | 47.64 |  | 794 | 75.00% | XXXXXXX | 230495 | Credit | Total Debt Ratio | The audit calculated DTI of XXXX% exceeds the guideline maximum of XXXX%. The seller applied rental income from the departing address (XXXX) as investment income; however, the guidelines state that departing residence positive rental income cannot be used as qualifying income. Guidelines only allow the departure PITI be offset with projected net rental income. In addition, the seller excluded a consumer debt with payment of $XXXX/month but the final CD reflects that the balance of this debt was only partially paid down and more than 10 payments are still remaining. | 3/2/22: Audit DTI remains at XXXX%. Unsure of source of "combined other income" of $XXXX from 1008. Also, documentation verifying the exclusion of XXXX debt of $XXXXnot provided. 3/8/22: Credit report shows XXXX balance $XXXX, CD shows amount paid off $XXXX. Need documentation loan was paid off or paid down under XXXX payments to exclude debt. Audit income: Arup base: $XXXX, bonus: $XXXX notes receivable: $XXXX = $XXXX 1008 reflects total income of $XXXX and that no income from self-employment was used. 3/14/22: Using income from s/e and excluding XXXX debt, updated DTI is XXXX% which exceeds guideline max of v%. 3/21/22: unable to open pdf uploaded XXXX due to damaged file. Please upload again. 3/21/22: P&L and business bank statements provided show income has increased from XXXX decline. Used XXXX-month avg from XXXX business tax returns. |  | Cleared Exception A | 1 |
| XXXXXXXX | 345641 | XXXXXXX | Purchase | Owner Occupied | Single Family Attached | 47.64 |  | 794 | 75.00% | XXXXXXX | 230598 | Compliance | Other | This loan failed the charges that cannot increase test. The initial LE reflects the process fee as $XXXX; however, the final CD reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file. | 02/24/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 345641 | XXXXXXX | Purchase | Owner Occupied | Single Family Attached | 47.64 |  | 794 | 75.00% | XXXXXXX | 230599 | Compliance | Other | This loan failed the lender credits that cannot decrease test. The XXXX revised LE reflects a lender credit of XXXX; however, the final CD reflects the lender credit as XXXX with no change of circumstance included verifying the reason for the credit decrease. | 02/24/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 226604 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.9055 | 719 | 30.52% | XXXXXXX | 231845 | Credit | Hazard Insurance | Proof of hazard insurance with evidence of XXXX months rent loss coverage is missing from the loan file. | 03/11/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 226604 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.9055 | 719 | 30.52% | XXXXXXX | 231853 | Credit | Rental Income | Current lease agreement for the subject property is missing from the loan file. DSCR calculation is pending. | 03/14/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 226604 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.9055 | 719 | 30.52% | XXXXXXX | 232353 | Credit | Closing Disclosure | The completed final Closing Disclosure was not documented in the file. CD in file does not reflect P&I, escrow info, PPP, loan term. | 3/11/22: Please provide signed Settlement Statement in lieu of CD. 3/15/22: Provide fully completed final CD reflecting P&I payment, PPP info, escrow info, loan term, product. 3/21/22: Per XXXX, "As a business purpose loan, this is OK given there is a recorded prepayment rider in file'. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 226604 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.9055 | 719 | 30.52% | XXXXXXX | 232411 | Credit | 1008 | The 1008 provided reflects the incorrect loan amount and appraised value (settlement statement in file reflects purchase price of $XXXX). | 3/11/22: 1008 provided reflects incorrect LTV. Should be based off purchase price of $XXXX 3/15/22: 1008 provided reflects incorrect LTV. Loan is a refi based off the purchase price, not appraised value. 03/18/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 543495 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 37.35 |  | 645 | 30.12% | XXXXXXX | 237167 | Credit | Borrower ID | Documentation verifying the borrower's identity is not in the loan file. | 04/29/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 429485 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0744 | 769 | 79.99% | XXXXXXX | 230842 | Property | Appraisal | A desk review or other third-party valuation product for the property is not in the loan file. | 02/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 451416 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 6.69 |  | 779 | 64.94% | XXXXXXX | 235812 | Compliance | Other | This loan failed the charges that cannot increase test. The initial LE reflects the discount points fee as $XXXX; however, the final CD reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file. | 04/13/2022: Document provided to clear condition. |  | Cleared Exception B | 1 |
| XXXXXXXX | 451416 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 6.69 |  | 779 | 64.94% | XXXXXXX | 235813 | Credit | Program Eligibilty | Payment shock not to exceed XXXX% for a FTHB. | Borrower owner prior residence until Aug 2021, exception requested granted by XXXX and in file. | Reserves - XXXX months of reserves exceed minimum required reserves of 9 months., Length of Employment - Borrower has been on job for XXXX years., Credit Score - 779 Credit score exceeds minimum credit score required of 680., DTI - DTI of 6.69% is significantly lower than DTI maximum of 50%. | Client Accepted B | 2 |
| XXXXXXXX | 451416 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 6.69 |  | 779 | 64.94% | XXXXXXX | 235983 | Compliance | Other | This loan failed the lender credits that cannot decrease test. The initial LE reflects a lender credit of $XXXX; however, the final CD reflects the lender credit as $XXXX with no change of circumstance included verifying the reason for the credit decrease. | 04/13/2022: Document provided to clear condition. |  | Cleared Exception B | 1 |
| XXXXXXXX | 485452 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.4449 | 786 | 75.00% | XXXXXXX | 234819 | Credit | Closing Disclosure | The complete final Settlement Statement was not documented in the file. | 04/01/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 345095 | XXXXXXX | Purchase | Second Home | Condo Attached | 47.06 |  | 787 | 75.00% | XXXXXXX | 237031 | Credit | Credit | A complete third party fraud detection report is not in the loan file. | 04/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 533086 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 36.03 |  | 658 | 70.00% | XXXXXXX | 236623 | Credit | Title | Property tax certificate is missing from the loan file. | 04/26/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 533086 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 36.03 |  | 658 | 70.00% | XXXXXXX | 236689 | Credit | Title Commitment | A copy of the full Title Commitment is missing from the loan file. | 04/26/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 533086 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 36.03 |  | 658 | 70.00% | XXXXXXX | 236691 | Credit | Deed of Trust / Mortgage | A complete copy of the Deed of Trust is missing from the loan file. | 04/26/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 533086 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 36.03 |  | 658 | 70.00% | XXXXXXX | 236696 | Compliance | Loan Estimate | The initial LE dated within XXXX days of the initial application date is missing from the loan file. | 04/26/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 533086 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 36.03 |  | 658 | 70.00% | XXXXXXX | 236699 | Compliance | Closing Disclosure | The initial CD signed at least XXXX days prior to closing is missing from the loan file. | 04/26/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 533086 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 36.03 |  | 658 | 70.00% | XXXXXXX | 236700 | Compliance | Closing Disclosure | Partial Payments section information is not disclosed on the final CD. | 04/26/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 533086 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 36.03 |  | 658 | 70.00% | XXXXXXX | 236701 | Compliance | Closing Disclosure | Liability after foreclosure section is not disclosed on the final CD. | 04/26/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 751627 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0471 | 736 | 70.00% | XXXXXXX | 234993 | Property | Appraisal | The third party review from an approved vendor is missing from the loan file. | 04/04/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 751627 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0471 | 736 | 70.00% | XXXXXXX | 235104 | Credit | Debt Service Coverage Ratio | A current lease agreement and documentation verifying one month receipt of rental income are missing from the loan file. | 4/7/22: Please provide exception on a XXXX approved exception form. 4/11/22: Need XXXX approved exception form.<br> 04/12/2022: XXXX approved the loan with email correspondence | Months Of Reserves - XXXX months of reserves, Credit Score - 736 is 76 points higher than guideline 660 | Client Accepted B | 2 |
| XXXXXXXX | 303744 | XXXXXXX | Purchase | Owner Occupied | PUD | 27.93 |  | 749 | 90.00% | XXXXXXX | 235584 | Credit | Hazard Insurance | The property insurance policy or certificate is not included in the loan file. | 04/08/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 303744 | XXXXXXX | Purchase | Owner Occupied | PUD | 27.93 |  | 749 | 90.00% | XXXXXXX | 235611 | Credit | Income | XXXXstatement for XXXX #XXXX is missing from the loan file. | 4/12/22: 12/2020 statement was provided. Need 12/2021 statement. 04/19/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 303744 | XXXXXXX | Purchase | Owner Occupied | PUD | 27.93 |  | 749 | 90.00% | XXXXXXX | 235655 | Credit | Credit | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 04/08/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 303744 | XXXXXXX | Purchase | Owner Occupied | PUD | 27.93 |  | 749 | 90.00% | XXXXXXX | 235688 | Compliance | Other | This loan failed the TRID closing disclosure date and funding date validation test. The final CD receipt date is after the funding date. | 05/03/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 795675 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.1859 | 727 | 75.00% | XXXXXXX | 234205 | Property | Appraisal | A desk review or other third-party valuation product from an approved vendor is missing from the loan file. | 03/29/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 660881 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.062 | 736 | 70.00% | XXXXXXX | 234757 | Credit | LTV | A lease agreement is not in the loan file. 1008 reflects an exception was granted to use market rent up to XXXX% LTV as property is recent XXXX. The exception is not in the loan file. | 4/7/22: Please provide exception on a XXXX approved exception form.<br> 04/12/2022: XXXX approved the loan with email correspondence | Credit Score - Credit score of 736 exceeds minimum credit score required of 660., Reserves - XXXX months of reserves exceed minimum reserve requirement of 6 months. | Client Accepted D B | 2 |
| XXXXXXXX | 660881 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.062 | 736 | 70.00% | XXXXXXX | 234824 | Property | Appraisal | A third party review from an approved vendor is missing from the loan file. | 4/1/22: subject is XXXX and CDA provided is for XXXX. 04/04/22: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXX | 643474 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 44.2 |  | 686 | 75.00% | XXXXXXX | 232774 | Credit | Credit | According to the guidelines, borrowers with a forbearance of deferral must have completed the program and made at least XXXX months payments. Documentation from the servicer of the completion is required. The XXXX statement indicated there was a forbearance balance of $XXXX. The loan file does not provide any forbearance agreement or verification of completion. | 4/5/22: Please provide documentation verifying at least XXXX months mortgage payments made after forbearance plan completed. 04/08/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 822815 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0471 | 736 | 70.00% | XXXXXXX | 234904 | Property | Appraisal | The third party review from an approved vendor is missing from the loan file. | 4/1/22: subject is XXXX and CDA provided is for XXXXr. 04/04/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 822815 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0471 | 736 | 70.00% | XXXXXXX | 234958 | Credit | Debt Service Coverage Ratio | A current lease agreement is not in the loan file. 1008 reflects an exception was granted to use market rent up to XXXX% LTV as property is recent XXXX. The exception is not in the loan file. | 4/7/22: Please provide exception on a XXXX approved exception form.<br> 04/12/2022: XXXX approved the loan with email correspondence | Months Of Reserves - XXXX months reserves, Credit Score - 732 is 72 points above guideline 660 | Client Accepted B | 2 |
| XXXXXXXX | 381211 | XXXXXXX | Purchase | Owner Occupied | PUD | 43.88 |  | 700 | 90.00% | XXXXXXX | 234147 | Credit | Underwriting Condition Not Met | A third party fraud detection report is not in the loan file. | 03/28/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 381211 | XXXXXXX | Purchase | Owner Occupied | PUD | 43.88 |  | 700 | 90.00% | XXXXXXX | 234295 | Compliance | Other | This loan failed the charges that cannot increase test. The XXXX LE reflects the discount points fee as $XXXX; however, the final CD reflects the comparable fee as $XXXX for an increase of $XXXX A change of circumstance for the increased fee was not included in the loan file. | 03/28/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 506108 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.2288 | 665 | 80.00% | XXXXXXX | 237440 | Property | Appraisal | The loan file is missing CDA appraisal review as required. | 04/26/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 656481 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.8878 | 737 | 75.00% | XXXXXXX | 236998 | Property | Appraisal | According to the underwriting guidelines, all appraisals require a third-party valuation by an XXXX approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Tek. In this case, the appraisal review product is missing from the loan file. | 04/21/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 161901 | XXXXXXX | Purchase | Owner Occupied | PUD | 26.12 |  | 754 | 80.00% | XXXXXXX | 231627 | Compliance | Other | Per the Tracking Disclosure post-closing CD dated XXXX is missing from the file. | 03/03/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 186117 | XXXXXXX | Purchase | Owner Occupied | Condo Attached | 9.7 |  | 811 | 70.00% | XXXXXXX | 235884 | Credit | Credit | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 04/12/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 186117 | XXXXXXX | Purchase | Owner Occupied | Condo Attached | 9.7 |  | 811 | 70.00% | XXXXXXX | 236098 | Compliance | Other | This loan failed the charges that cannot increase test. The initial LE reflects the E doc fee as $XXXX; however, the final CD reflects the comparable fee as $XXXX for an increase of $50XXXX00. A change of circumstance for the increased fee was not included in the loan file. | 04/14/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 186117 | XXXXXXX | Purchase | Owner Occupied | Condo Attached | 9.7 |  | 811 | 70.00% | XXXXXXX | 236111 | Credit | VOM | According to the guidelines regarding a gift of equity, subject property mortgage rating from seller is required. Documentation verifying the seller's mortgage payment history is not in the file. | 04/21/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 891616 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0103 | 661 | 70.00% | XXXXXXX | 237272 | Property | Appraisal | The loan file does not contain a desktop appraisal review as required. | 04/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 891616 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0103 | 661 | 70.00% | XXXXXXX | 237396 | Credit | Debt Service Coverage Ratio | Missing pages 2-3 of the Business Purpose and Occupancy Affidavit. | 04/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 703967 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 5.46 |  | 694 | 52.63% | XXXXXXX | 233623 | Credit | Borrower Eligibilty | Evidence of borrowers tax and insurance for primary residence at XXXX is missing from the loan file. | 03/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 703967 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 5.46 |  | 694 | 52.63% | XXXXXXX | 233624 | Credit | Program Eligibilty | A third party fraud detection report is not in the loan file. | 03/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 848928 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.7974 | 768 | 75.00% | XXXXXXX | 236341 | Credit | Program Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>| 04/18/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 848928 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.7974 | 768 | 75.00% | XXXXXXX | 236342 | Credit | Program Eligibilty | Borrower living rent free may be considered on a case-by-case basis. | 04/18/22: An exception approval was provided for the guideline deviation. | Months Of Reserves - Borrower has XXXX months of reserves, Credit Score - Borrowers credit score is 768 | Client Accepted B | 2 |
| XXXXXXXX | 294594 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.8009 | 768 | 75.00% | XXXXXXX | 235211 | Credit | Program Eligibilty | A complete third party fraud detection report is not in the loan file. | 04/12/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 294594 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.8009 | 768 | 75.00% | XXXXXXX | 235287 | Credit | Credit | According to the guidelines, borrowers living rent free may be considered on a case by case basis. | 4/13/22: Please provide an exception from XXXX for the borrower living rent-free. 04/18/22: An exception approval was provided for the guideline deviation. | Months Of Reserves - Borrower has XXXX months of reserves, Credit Score - Borrowers credit score is 768 | Client Accepted B | 2 |
| XXXXXXXX | 294594 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.8009 | 768 | 75.00% | XXXXXXX | 235289 | Credit | VOM | Rent-free letter from the homeowner is not in the loan file. The letter in the file is from the borrower. | 4/13/22: letter from buyer was provided. per guidelines, attestation from homeowner is required. <br> 04/18/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 363292 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | 0 | 1.2954 | 723 | 57.32% | XXXXXXX | 231989 | Property | Appraisal | CDA appraisal review was not included in the loan file. | 03/15/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 769121 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Townhome | 0 | 0.8938 | 790 | 70.00% | XXXXXXX | 238714 | Credit | Debt Service Coverage Ratio | Per guidelines for Short Term/Variable Rental properties, must provide XXXX months evidence of receipt via Service Provider payment receipt history. Documentation in file reflects that the property has been short term rental since XXXX which is less than XXXX months. | Averaged the deposits over XXXX months as the property was rebuilt and rezoned. |  | Cleared Exception A | 1 |
| XXXXXXXX | 910899 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 0.8977 | 726 | 80.00% | XXXXXXX | 233204 | Credit | LTV | The approved LTV of 80% exceeds the guideline maximum of 75% with a DSCR less than 1.0. An exception approval is not in the file. | 04/07/22: An exception approval was provided for the guideline deviation. | Credit Score - 726 qualifying score, Prior Mortgage History - XXXX+ months 0x30 | Client Accepted B | 2 |
| XXXXXXXX | 910899 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 0.8977 | 726 | 80.00% | XXXXXXX | 235687 | Credit | Credit | A third party fraud detection report is not in the loan file. | 04/08/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 459636 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 0 | 1.3528 | 705 | 75.00% | XXXXXXX | 238740 | Credit | Final 1003 | The full initial 1003 is missing from the loan file. | 05/09/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 459636 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 0 | 1.3528 | 705 | 75.00% | XXXXXXX | 238907 | Credit | Program Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 05/09/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 963568 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.0147 | 789 | 70.00% | XXXXXXX | 234018 | Credit | Debt Service Coverage Ratio | Business Purpose & Occupancy Affidavit is missing from the loan file. | 03/29/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 963568 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.0147 | 789 | 70.00% | XXXXXXX | 234019 | Credit | Program Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 03/29/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 963568 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.0147 | 789 | 70.00% | XXXXXXX | 234113 | Credit | Program Eligibilty | According to the guidelines, borrowers living rent free may be considered on a case by case basis. Borrowers 1 & 2 are living rent free. | An exception approval was provided for the guideline deviation. | Months Of Reserves - over XXXX months in reserves, Credit Score - 767 qualifying score | Client Accepted B | 2 |
| XXXXXXXX | 704825 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.2039 | 786 | 73.77% | XXXXXXX | 234825 | Property | Appraisal | A third-party valuation by an XXXX approved vendor is missing from the loan file.<br>| 04/01/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 469191 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.7572 | 768 | 65.00% | XXXXXXX | 236456 | Credit | Program Eligibilty | Borrower living rent free may be considered on a case by case basis. | 04/18/22: An exception approval was provided for the guideline deviation. | Months Of Reserves - Borrower has XXXX months of reserves., Credit Score - Borrowers credit score is 768. | Client Accepted B | 2 |
| XXXXXXXX | 305081 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 50 |  | 687 | 79.94% | XXXXXXX | 235985 | Credit | Hazard Insurance | Copy of current Homeowner's Insurance Policy is missing from the loan file. The policy in the file reflects an effective date of XXXX which is after the closing date of XXXX | 04/12/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 305081 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 50 |  | 687 | 79.94% | XXXXXXX | 235986 | Compliance | Other | This loan failed the charges that cannot increase test. The XXXX LE reflects the discount points fee as XXXX, however the final CD reflects the comparable fee as XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file. | 04/14/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 533849 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.8328 | 687 | 68.85% | XXXXXXX | 237123 | Property | Appraisal | A third party review from a XXXX approved vendor is missing from the loan file. | 04/20/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 517477 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.296 | 747 | 75.00% | XXXXXXX | 233707 | Property | Appraisal | URAR/Appraisal document is not included in the loan file. | 03/22/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 517477 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.296 | 747 | 75.00% | XXXXXXX | 233710 | Credit | Credit Report | Most of the credit documentation is missing from the loan file including, credit report, appraisal, 1008, lease agreement, initial 1003, title commitment, hazard, flood cert, etc. Unable to calculate DSCR. | 3/23/22: Missing lease agreement, 1008, CDA appraisal review, SSR, title. Only 95 pages in the original file provided. Please provide the complete loan file. 03/30/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 517477 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.296 | 747 | 75.00% | XXXXXXX | 233740 | Credit | Credit | A third party fraud detection report is not in the loan file. | 03/22/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 517477 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.296 | 747 | 75.00% | XXXXXXX | 234674 | Credit | Rental Income | Documentation verifying receipt of one month rental income is not in the file. | 03/31/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 156352 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.7879 | 683 | 68.63% | XXXXXXX | 237377 | Credit | Program Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 04/26/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 156352 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.7879 | 683 | 68.63% | XXXXXXX | 237378 | Property | Appraisal | A third party review from a XXXX approved vendor is missing from the loan file. | 04/28/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 363819 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.2365 | 651 | 75.00% | XXXXXXX | 235777 | Property | Appraisal | Third party valuation from an approved vendor is missing from the loan file. | 04/11/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 363819 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.2365 | 651 | 75.00% | XXXXXXX | 235778 | Credit | Program Eligibilty | According to the guidelines, borrowers living rent free may be considered on a case-by-case basis. | 4/12/22: Please provide an exception for the borrower living rent-free. 04/13/22: An exception approval was provided for the guideline deviation. | Months Of Reserves - Borrower has XXXX months of reserves | Client Accepted B | 2 |
| XXXXXXXX | 759153 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.3393 | 741 | 73.10% | XXXXXXX | 236330 | Credit | Program Eligibilty | Per guidelines, borrowers living rent free may be considered on a case by case basis. Exception for living rent free is missing from the loan file. | 04/20/22: An exception approval was provided for the guideline deviation. | Reserves - XXXX months of reserves exceed minimum required reserves of XXXX months., Credit Score - 741 credit score exceeds minimum required credit score of 700. | Client Accepted D B | 2 |
| XXXXXXXX | 759153 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.3393 | 741 | 73.10% | XXXXXXX | 236331 | Property | Appraisal | A third party review from an approved vendor is missing from the loan file. | 04/13/22: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXX | 541984 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 0 | 1.2336 | 760 | 65.00% | XXXXXXX | 235096 | Property | Appraisal - Property Eligiblity | Investor concentration per guidelines is XXXX%. Investor concentration exception was granted for XXXX% by XXXX. Exception granted XXXX | Exception form is in the file. | Reserves - XXXX months of reserves exceed minimum reserve required of XXXX months., Credit Score - Credit score of 760 exceeds minimum credit score of 660. | Client Accepted B | 2 |
| XXXXXXXX | 541984 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 0 | 1.2336 | 760 | 65.00% | XXXXXXX | 235097 | Credit | Hazard Insurance | For master condo insurance policy, there is a lack of waiver of subrogation. Lack of Waiver of Subrogation is accepted by XXXX as an exception as of 3/21/2022. | Exception form is in the file. | Reserves - XXXX months of reserves exceed minimum reserve required of XXXX months., Credit Score - Credit score of 760 exceeds minimum credit score of 660. | Client Accepted B | 2 |
| XXXXXXXX | 438630 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 29.71 |  | 733 | 86.53% | XXXXXXX | 235582 | Credit | Credit | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>| 04/08/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 438630 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 29.71 |  | 733 | 86.53% | XXXXXXX | 235656 | Credit | VOM | 12 months proof of payment via cancelled checks, bank debits or institutional VOR is missing from the loan file for Borrower 1 (XXXX). | 04/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 950894 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.1377 | 806 | 80.00% | XXXXXXX | 234603 | Property | Appraisal | According to the underwriting guidelines, all appraisals require a third-party valuation by an XXXX approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Tek. In this case, the appraisal review product is missing from the loan file. | 03/31/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 592033 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.1279 | 806 | 80.00% | XXXXXXX | 234555 | Property | Appraisal | A third party review from an approved vendor is missing from the loan file. | 03/30/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 592033 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.1279 | 806 | 80.00% | XXXXXXX | 234556 | Credit | Credit | Seller seasoning is less than XXXX months. Seller purchased property XXXX for $XXXX and selling for $XXXX | Exception was granted on XXXX by XXXX . Exception is in the file. | Reserves - XXXX months of reserves exceed minimum reserve of XXXX months., Credit Score - 786 credit score exceed minimum credit score required of 640. | Client Accepted B | 2 |
| XXXXXXXX | 416816 | XXXXXXX | Purchase | Non-Owner Occupied | Three-Unit Property | 0 | 1.0095 | 710 | 75.00% | XXXXXXX | 234424 | Credit | Debt Service Coverage Ratio | A copy of the Business Purpose & Occupancy Affidavit is not in the loan file. | 3/31/22: Provide Business Purpose & Occupancy Affidavit. Document provided does not verify Business Purpose. <br> 04/18/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 614900 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.1026 | 796 | 80.00% | XXXXXXX | 235064 | Credit | Final 1003 Discrepancies | Final 1003 shows citizenship as XXXX. However, permanent resident alien card is in the file. Final 1003 has incorrect citizenship. | 04/04/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 276070 | XXXXXXX | Purchase | Owner Occupied | PUD | 32.75 |  | 702 | 90.00% | XXXXXXX | 236061 | Credit | Credit | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 04/13/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 276070 | XXXXXXX | Purchase | Owner Occupied | PUD | 32.75 |  | 702 | 90.00% | XXXXXXX | 236242 | Compliance | Other | This loan failed the lender credits that cannot decrease test. The initial XXXX CD reflects a lender credit of $XXXX; however, the final CD reflects the lender credit as $XXXX with no change of circumstance included verifying the reason for the credit decrease. | COC provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXX | 862212 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 49.98 |  | 700 | 47.88% | XXXXXXX | 237776 | Credit | Credit | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 05/02/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 862212 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 49.98 |  | 700 | 47.88% | XXXXXXX | 238150 | Credit | AUS/Loan Approval | The AUS Certificate is not in the loan file as required for XXXX. | 05/02/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 948542 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 0.9077 | 788 | 75.00% | XXXXXXX | 233785 | Property | Appraised Value | Subject property was purchased less than 6 months (XXXX) for $XXXX. Per 1008, appraised value was used to calculate LTV. Per guidelines, as of Note date, within XXXX months, LTV/CLTV will be based on the lesser of the original purchase price plus improvements or current appraised value. Proof of improvements is not included in the loan file. LTV subject to change based on improvement costs. | 3/29/2022: Exception form is from XXXX and not our Client. Need evidence Client approved this exception. <br> 04/01/22: An exception approval was provided for the guideline deviation. | Credit Score - 788 is 128 points above guideline 660, Prior Mortgage History - XXXX payment history since XXXX, Months Of Reserves - XXXX months of reserves | Client Accepted B | 2 |
| XXXXXXXX | 201001 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.1864 | 765 | 75.00% | XXXXXXX | 233814 | Credit | Program Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 03/24/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 201001 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.1864 | 765 | 75.00% | XXXXXXX | 233816 | Property | Appraisal | Per guidelines all loans require a desk review or other third-party valuation product with an LTV >XXXX%. 3rd party valuation from an approved vendor is missing from the loan file. | 04/11/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 175100 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.15 | 688 | 80.00% | XXXXXXX | 234931 | Property | Appraisal | According to the underwriting guidelines, all appraisals require a third-party valuation by an XXXX approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Tek. In this case, the appraisal review product is missing from the loan file. | 4/5/22: Please provide CDA report. 04/21/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 802372 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.448 | 734 | 40.00% | XXXXXXX | 233546 | Credit | Credit | A third party fraud detection report is not in the loan file. | 03/22/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 802372 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.448 | 734 | 40.00% | XXXXXXX | 233547 | Credit | Debt Service Coverage Ratio | Current lease agreement not in file. Documentation verifying the subject property is currently listed for rent is not in the loan file. | 3/23/22: Lease provided reflects rent of $XXXX/mth which results in DSCR of .XXXX which does not qualify. <br> 03/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 345439 | XXXXXXX | Purchase | Owner Occupied | PUD | 34.68 |  | 726 | 85.00% | XXXXXXX | 236316 | Compliance | Other | The Homeownership Counseling Disclosure document is missing from the loan file. | 04/14/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 345439 | XXXXXXX | Purchase | Owner Occupied | PUD | 34.68 |  | 726 | 85.00% | XXXXXXX | 236317 | Compliance | Other | This loan failed the TRID closing disclosure date and funding date validation test. The final CD receipt date is after the funding date. | 04/14/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 345439 | XXXXXXX | Purchase | Owner Occupied | PUD | 34.68 |  | 726 | 85.00% | XXXXXXX | 236319 | Compliance | Closing Disclosure | This loan failed the charges that cannot increase test. The initial LE reflects the appraisal fee as $XXXX and the reinspection fee as $XXXX; however, the final CD reflects the appraisal fee as $XXXX and the reinspection fee as $XXXX, for an increase of $XXXX. A change of circumstance for the increased fees was not included in the loan file. | 04/14/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 345439 | XXXXXXX | Purchase | Owner Occupied | PUD | 34.68 |  | 726 | 85.00% | XXXXXXX | 236427 | Credit | Credit | The XXXX business bank statement reflects a deposit of $XXXX on XXXX from XXXX Documentation verifying the source of this deposit is not in the file. If the deposit is from a loan, will need documentation verifying it is paid off. | 4/19/22: UW response not provided regarding the large deposit. Only the first page of the Bank Statement Worksheet was uploaded. 4/21/22: Deposit in question not income related as it was included in the income calculation. Need documentation verifying the source of this deposit. If the deposit is from a loan, will need documentation verifying it is paid off or if not paid off, verification of the monthly payment to include in DTI. 4/22/22: Per XXXX, loan payment does not need to be included in DTI already part of the expenses factor assumption. |  | Cleared Exception A | 1 |
| XXXXXXXX | 704482 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 29.73 |  | 781 | 80.00% | XXXXXXX | 236774 | Property | Appraisal | According to the underwriting guidelines, all appraisals require a third-party valuation by an XXXX approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Tek. In this case, the appraisal review product is missing from the loan file. | 04/19/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 704482 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 29.73 |  | 781 | 80.00% | XXXXXXX | 236781 | Credit | Borrower ID | A third party fraud detection report is not in the loan file. | 04/19/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 405094 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.0188 | 764 | 85.00% | XXXXXXX | 236821 | Property | Appraisal | Third-party valuation by an XXXX approved vendor is not in the loan file. | 04/18/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 927297 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.1168 | 750 | 73.00% | XXXXXXX | 236652 | Credit | Program Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>| 04/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 996963 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.4052 | 675 | 70.00% | XXXXXXX | 237535 | Credit | Credit | The credit package is missing from the loan file. | 05/03/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 255369 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.3388 | 779 | 75.00% | XXXXXXX | 236240 | Property | Appraisal | Third party valuation from an approved vendor is missing from the loan file. | 04/14/22: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXX | 255369 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.3388 | 779 | 75.00% | XXXXXXX | 236241 | Credit | Program Eligibilty | Borrower's primary residence mortgage is in spouse's name but borrower is on title. Documentation verifying the primary residence mortgage history is not in the file. | 4/14/22: Please provide primary residence mortgage history or rent-free letter from wife plus exception. 4/15/22: Need VOM for primary residence or rent-free letter from spouse. 4/18/22: Only mtg statement was provided. Need VOM verif of XXXX months mtg payment history for the mtg in wife's name or an approved exception. 4/22/22: XXXX elects to waive. | Credit Score - Borrowers credit score is 779., Months Of Reserves - Borrower has XXXX months of reserves. | Client Accepted D B | 2 |
| XXXXXXXX | 131941 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 1.3766 | 730 | 75.00% | XXXXXXX | 234350 | Credit | Credit | A third party fraud detection report is not in the loan file. | 03/30/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 488689 | XXXXXXX | Purchase | Second Home | Condo High-Rise | 37.2 |  | 727 | 75.00% | XXXXXXX | 237733 | Credit | 1008 | The final 1008 reflects incorrect loan program as XXXX; however, the rate lock reflects the program as XXXX- XXXX months P&L. | 05/05/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 488689 | XXXXXXX | Purchase | Second Home | Condo High-Rise | 37.2 |  | 727 | 75.00% | XXXXXXX | 237755 | Credit | Closing Disclosure | The Seller Closing Disclosure is not included in the loan file. | 05/05/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 412281 | XXXXXXX | Purchase | Owner Occupied | PUD | 35.86 |  | 764 | 90.00% | XXXXXXX | 234416 | Credit | Credit | A third party fraud detection report is not in the loan file. | 03/30/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 983588 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 49.97 |  | 745 | 80.00% | XXXXXXX | 237005 | Credit | Final 1003 Discrepancies | Final 1003 is missing demographic information. | 04/22/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 272134 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 35.63 |  | 785 | 43.48% | XXXXXXX | 238141 | Credit | Credit | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 05/05/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 398359 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.4657 | 784 | 80.00% | XXXXXXX | 236993 | Credit | 1008 | 1008 should not have any income and DTI information listed for a DSCR loan. | 04/21/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 383632 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.126 | 784 | 80.00% | XXXXXXX | 236908 | Credit | Program Eligibilty | Rental History supporting $XXXX from XXXX was provided however, bank statement validating borrower is the owner of that account was missing from the loan file. | 04/21/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 383632 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.126 | 784 | 80.00% | XXXXXXX | 237025 | Credit | Closing Disclosure | The seller's Closing Disclosure is missing from the loan file. | 04/21/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 769168 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.0325 | 703 | 80.00% | XXXXXXX | 238224 | Credit | Closing Disclosure | The Seller's Closing Disclosure is not included in the loan file. | 05/03/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 744536 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 33.78 |  | 748 | 90.00% | XXXXXXX | 235984 | Credit | Credit | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. Only pages 16-18 of Dataverify report are in the file. | 04/13/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 744536 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 33.78 |  | 748 | 90.00% | XXXXXXX | 236134 | Compliance | Other | This loan failed the charges that cannot increase test. The initial LE reflects the broker fee as $XXXX, Document Preparation Fee-2 as $XXXX, and the E Docs fee as $XXXX, however the final CD reflects the broker fee as $XXXX E Docs Fee as $XXXX and the Document preparation fee-2 as $XXXX, for an increase of $XXXX. A change of circumstance for the increased fees was not included in the loan file. | 04/14/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 297271 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 38.29 |  | 772 | 70.00% | XXXXXXX | 237208 | Credit | Credit | A third party fraud detection report is not in the loan file. | 04/27/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 521748 | XXXXXXX | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.0152 | 707 | 80.00% | XXXXXXX | 237265 | Credit | Program Eligibilty | Per guidelines, asset documentation requires most recent XXXX months statements for purchase. Only XXXX month bank statements for both XXXX and XXXX accounts are in loan file. | 04/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 775202 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.1661 | 721 | 75.00% | XXXXXXX | 237161 | Credit | Program Eligibilty | Per guidelines for cash out refinances the borrower must have owned the property for a minimum of XXXX months prior to the Note date. The borrower purchased the property on XXXX | 04/21/22: An exception approval was provided for the guideline deviation. | Reserves - XXXX months of reserves exceeds minimum required reserves of 6 months., Credit Score - 721 credit score exceeds minimum credit score required of 700. | Client Accepted B | 2 |
| XXXXXXXX | 775202 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.1661 | 721 | 75.00% | XXXXXXX | 237194 | Credit | LTV | According to the guidelines, cash-out Refinances seasoned for more than XXXX months but less than XXXX months on renovated properties, max LTV is XXXX% based on current appraisal. The loan was approved with XXXX% LTV. | 04/22/22: An exception approval was provided for the guideline deviation. | Reserves - XXXX months of reserves exceeds minimum required reserves of 6 months., Credit Score - 721 credit score exceeds minimum credit score required of 700. | Client Accepted B | 2 |
| XXXXXXXX | 360027 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.1204 | 642 | 70.00% | XXXXXXX | 235300 | Credit | Credit - Eligiblity | A complete third party fraud detection report is not in the loan file. | 04/12/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 360027 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.1204 | 642 | 70.00% | XXXXXXX | 235312 | Credit | Program Eligibilty | According to guidelines, if seller has owned property < XXXX months, approval is considered on a case-by-case basis. Seller purchased property on XXXX | 04/26/22: An exception approval was provided for the guideline deviation. | Months Of Reserves - XXXX Months reserved, Credit History - XXXX payment history since XXXX | Client Accepted B | 2 |
| XXXXXXXX | 360027 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.1204 | 642 | 70.00% | XXXXXXX | 235363 | Credit | Credit | According to the guidelines, VOR may be documented via institutional VOR or proof of payment via cancelled checks or bank debits. The credit supplement reflects that the VOR was obtained via a verbal VOR from the landlord. Need XXXX months bank statements verifying XXXX debits. | 4/12/22: Need verification of XXXX months payments via cancelled checks or bank debits. 04/21/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 717817 | XXXXXXX | Purchase | Owner Occupied | PUD | 45.98 |  | 801 | 80.00% | XXXXXXX | 238596 | Compliance | Other | This loan failed the lender credits that cannot decrease test. The initial LE reflects a lender credit of $XXXX; however, the final CD reflects the lender credit as $XXXX with no change of circumstance included verifying the reason for the credit decrease. | 05/05/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 717817 | XXXXXXX | Purchase | Owner Occupied | PUD | 45.98 |  | 801 | 80.00% | XXXXXXX | 238598 | Compliance | Other | This loan failed the charges that cannot increase test. The XXXX--2 LE reflects the discount points fee as XXXX; however, the final CD reflects the comparable fee as XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file. | 05/05/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 631765 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 0.8122 | 768 | 70.00% | XXXXXXX | 236806 | Credit | Program Eligibilty | Borrower living rent free may be considered on a case by case basis. An exception form is not in the loan file. | 04/19/22: An exception approval was provided for the guideline deviation. | Credit Score - 768 qualifying score | Client Accepted B | 2 |
| XXXXXXXX | 119484 | XXXXXXX | Purchase | Owner Occupied | PUD | 26.13 |  | 706 | 61.70% | XXXXXXX | 236409 | Credit | Closing Disclosure | The Seller Closing Disclosure is not included in the loan file. | 04/13/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 119484 | XXXXXXX | Purchase | Owner Occupied | PUD | 26.13 |  | 706 | 61.70% | XXXXXXX | 236437 | Property | Appraisal | The PUD box is not marked on the Appraisal. | 04/14/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 474913 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 16.93 |  | 759 | 80.00% | XXXXXXX | 236771 | Credit | Program Eligibilty | A complete third party fraud detection report is not in the loan file. | 04/21/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 374837 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.4644 | 700 | 68.00% | XXXXXXX | 237011 | Credit | Program Eligibilty | Third party valuation from an approved vendor is missing from the loan file. | 04/20/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 374837 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.4644 | 700 | 68.00% | XXXXXXX | 237130 | Credit | Credit | According to the guidelines, borrowers living rent free may be considered on a case-by-case basis. | An exception approval was provided for the guideline deviation. | Credit Score - 700 qualifying score, Months Of Reserves - XXXX months in reserves | Client Accepted B | 2 |
| XXXXXXXX | 815287 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0107 | 749 | 80.00% | XXXXXXX | 235502 | Credit | 1008 | The final 1008 is missing from the loan file. | 04/08/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 924500 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.3203 | 769 | 80.00% | XXXXXXX | 238583 | Credit | Debt Service Coverage Ratio | Borrowers living rent free may be considered on a case by case basis. | Exception request granted by XXXX on XXXX and in file. | Credit Score - 769 Fico is 49 points greater than the minimum required Fico., Months Of Reserves - XXXX months of reserves. | Client Accepted B | 2 |
| XXXXXXXX | 906038 | XXXXXXX | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 0.7576 | 790 | 75.00% | XXXXXXX | 236166 | Credit | Final 1003 Discrepancies | Final 1003 does not reflect the following: borrower's DOB, Marital Status, Sex. | 04/15/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 564882 | XXXXXXX | Purchase | Owner Occupied | PUD | 42.28 |  | 792 | 69.95% | XXXXXXX | 238667 | Credit | Closing Disclosure | The Seller's Closing Disclosure is not included in the loan file. | 05/05/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 288866 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 0.8059 | 777 | 75.00% | XXXXXXX | 238799 | Credit | Program Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>| 05/10/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 117271 | XXXXXXX | Purchase | Owner Occupied | PUD | 39.89 |  | 775 | 89.90% | XXXXXXX | 229046 | Credit | Asset Verification | According to the underwriting guidelines, LTV . XXXX% requires XXXX months of PITIA. In this case, the borrower provided only XXXX months reserves. Provide sufficient reserves of XXXX months PITIA. | 2/17/22: ITIA of $XXXX x XXXX = $XXXX(required reserves) is more than verified reserves of $XXXXper lender calculation. 2/18/22: Client agrees to waive the reserves shortage. | Credit Score - The borrowers Fico of 775 is 75 points greater than the minimum required Fico of 700., DTI - DTI of 41.11% is 8.89% less than the maximum allowed DTI of 50%. | Client Accepted B | 2 |
| XXXXXXXX | 212843 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 40.8 |  | 711 | 72.41% | XXXXXXX | 230565 | Compliance | Closing Disclosure | This loan failed the TILA right of rescission test. The XXXX funding date is before the third business day following consummation. This loan failed the charges that cannot increase test. The initial LE reflects the credit report fee as $XXXX and the Verification fee as $XXXX, however the final CD reflects the credit report fee as $XXXX and the verification fee as $XXXX, for an increase of $XXXX. A change of cicumstance for the increased fees was not included in the loan file. | 03/03/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 212843 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 40.8 |  | 711 | 72.41% | XXXXXXX | 230566 | Credit | Eligibilty | The list of Homeownership Counseling Organizations was missing from the loan file. | 02/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 751449 | XXXXXXX | Purchase | Second Home | Single Family Detached | 48.72 |  | 752 | 80.00% | XXXXXXX | 230564 | Compliance | Closing Disclosure | This loan failed the charges that cannot increase test. The initial LE reflects the discount points fee of $XXXX, however the final CD reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file. | 02/25/2022: The exception has been updated. A change of circumstance for the increase in discount points fee for the final CD is still missing from the loan file. 03/01/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 752802 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.3336 | 781 | 75.00% | XXXXXXX | 239668 | Credit | Credit | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 05/17/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 752802 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.3336 | 781 | 75.00% | XXXXXXX | 239683 | Credit | 1008 | Form 1008 document or loan approval is not included in the loan file for a manually underwritten loan. | 05/19/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 975434 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0452 | 790 | 70.00% | XXXXXXX | 238675 | Property | Appraisal | CDA in file with a value of $XXXX does not support appraised value of $XXXX. The CDA report in file does not correspond to the appraisal in file. | 05/10/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 255251 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.5043 | 793 | 75.00% | XXXXXXX | 236680 | Credit | Initial 1003 | The initial 1003 is not included in the loan file. | 04/21/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 255251 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.5043 | 793 | 75.00% | XXXXXXX | 236727 | Credit | Funds to Close | XXXX statement reflects deposits of $XXXX and XXXX on XXXX. Documentation verifying the source of the large deposits is not in the file. | 4/21/22: source of $XXXX deposit provided. Need source of $XXXX deposit. 04/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 255251 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.5043 | 793 | 75.00% | XXXXXXX | 236730 | Credit | Funds to Close | XXXX statement reflects an outgoing wire of $XXXXon XXXX. Documentation verifying these funds were wired to title company for subject property funds to close is not in file. Without these funds, borrower is short funds to close as balance on this account was $XXXX on XXXX | 4/25/22: Please provide documentation verifying the XXXX wire to title company for subject funds to close. 4/27/22: the $XXXX is an outgoing wire from borrower's XXXX on XXXX. Need to know if these funds were used towards subject prop funds to close because without the $XXXX, borrower is short funds to close on closing date of XXXX <br> 05/04/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 456652 | XXXXXXX | Purchase | Owner Occupied | PUD | 43.17 |  | 801 | 80.00% | XXXXXXX | 237463 | Credit | Program Eligibilty | If seller has owned property < XXXX months, approval is considered on a case-by-case basis. | Exception requested granted by XXXX on 3/21/22 and in file. | Credit Score - Credit Score 891 / 231pts over required min, Reserves - Reserves XXXX / XXXX over required min | Client Accepted B | 2 |
| XXXXXXXX | 456652 | XXXXXXX | Purchase | Owner Occupied | PUD | 43.17 |  | 801 | 80.00% | XXXXXXX | 237464 | Compliance | Other | This loan failed the charges that cannot increase test. The initial LE reflects the discount points fee as XXXXand the recording service fee as $XXXX, however the final CD reflects the discount points fee as $XXXX and the recording service fee as $XXXX, for an increase of $XXXX. A change of circumstance for the increased fees was not included in the loan file. | 04/27/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 628342 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0156 | 764 | 65.00% | XXXXXXX | 240470 | Property | Appraisal | A third party review from a XXXX approved vendor is missing from the loan file. | 05/26/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 960524 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 6.01 |  | 802 | 75.00% | XXXXXXX | 237852 | Credit | Eligibilty | According to the guidelines, for a cash-out transaction, the borrower must have owned the property for a minimum of XXXX months prior to the Note date. The borrower purchased property on XXXX | Exception request to do cash up up to XXXX% LTV with less than XXXX months seasoning was approved by XXXX and is in file. | Months Of Reserves - XXXX months of reserves, Credit Score - Borrowers credit score is 802. | Client Accepted B | 2 |
| XXXXXXXX | 259786 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.2536 | 764 | 66.35% | XXXXXXX | 240621 | Property | Appraised Value | A third party review from a XXXX approved vendor is missing from the loan file. | 05/31/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 259786 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.2536 | 764 | 66.35% | XXXXXXX | 240697 | Credit | Program Eligibilty | Exception required for mortgage lates in the last XXXX months on the subject property. Borrower inherited this propertyXXXX which has a mortgage lien originated XXXX for $XXXX in the name of XXXX. Payment history show payments made timely through XXXX, at which time the loan matured, and payments were no longer accepted. Payment history shows payment received XXXX and returned on XXXX | Exception form is in the file. | Credit Score - Qualifying score is 764, minimum required FICO 660, Months Of Reserves - Borrower has XXXX months of reserves, minimum required is 6 months. | Client Accepted B | 2 |
| XXXXXXXX | 827275 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.2634 | 764 | 69.37% | XXXXXXX | 240347 | Property | Appraisal | According to the guidelines, all appraisals require a third-party valuation by an XXXX approved vendor. In this case the file is missing a third party valuation. | 05/25/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 584710 | XXXXXXX | Purchase | Owner Occupied | Condo High-Rise | 37.97 |  | 769 | 40.51% | XXXXXXX | 239675 | Credit | Credit | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 05/19/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 328888 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 42.56 |  | 687 | 75.00% | XXXXXXX | 236540 | Property | Appraisal | According to the underwriting guidelines, all appraisals require a third-party valuation by an XXXX approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Tek. In this case, the appraisal review product is missing from the loan file. | 04/21/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 328888 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 42.56 |  | 687 | 75.00% | XXXXXXX | 236582 | Credit | Initial 1003 Discrepancies | Initial 1003 does not reflect the application date. | 4/21/22: Initial application date is required for compliance purposes. 04/27/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 328888 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 42.56 |  | 687 | 75.00% | XXXXXXX | 236601 | Credit | FICO | According to the guidelines for Prime Connect, no borrower can have a middle FICO score less than XXXX. The co-borrower's middle score is XXXX. | 4/27/22: Please provide approved XXXX exception form. 4/27/22: XXXX elects to waive this exception. | Length of Employment - The borrower was verified to have been XXXX for XXXX years. | Client Accepted B | 2 |
| XXXXXXXX | 530732 | XXXXXXX | Purchase | Owner Occupied | PUD | 31.42 |  | 622 | 80.00% | XXXXXXX | 237551 | Credit | Closing Disclosure | The Seller Closing Disclosure is not included in the loan file. | 04/27/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 530732 | XXXXXXX | Purchase | Owner Occupied | PUD | 31.42 |  | 622 | 80.00% | XXXXXXX | 237855 | Compliance | Other | This loan failed the charges that cannot increase test. The initial LE reflects the appraisal fee as $XXXX, however the final CD reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file. | 04/27/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 530732 | XXXXXXX | Purchase | Owner Occupied | PUD | 31.42 |  | 622 | 80.00% | XXXXXXX | 237856 | Compliance | Other | This loan failed the lender credits that cannot decrease test. The XXXX LE reflects a lender credit of $XXXX, however the final CD reflects the lender credit as $XXXX with no change of circumstance included verifying the reason for the credit decrease. | 04/27/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXX | 499137 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0157 | 691 | 60.73% | XXXXXXX | 238139 | Compliance | Prepayment Notice - Gov | Note/CD do not reflect a Prepayment Penalty. Per guidelines, Hard Prepayment penalties are required on investment property transactions when permissible by state law. | 05/20/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 499137 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0157 | 691 | 60.73% | XXXXXXX | 238143 | Property | Appraisal | Third-party valuation by an XXXX approved vendor is not in the loan file. | 5/5/22: Even with CU < XXXX, CDA still required with cash-out > XXXX% LTV. 5/5/22: Need CDA with cash-out > XXXX% LTV.<br> 05/16/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 499137 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0157 | 691 | 60.73% | XXXXXXX | 238167 | Credit | Final 1003 Discrepancies | The final 1003 reflects that the borrowers own their primary residence; however, LOE indicates that the property is owned by their son. | 5/3/22: pg 1 of both borrowers' 1003 reflects the primary residence is owned (pgs 229, 238). 05/04/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 499137 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0157 | 691 | 60.73% | XXXXXXX | 238170 | Credit | Credit | According to the guidelines, borrowers living rent free may be considered on a case-by-case basis. An exception approval is not in the loan file. | 05/24/22: An exception approval was provided for the guideline deviation. | Credit Score - 671 is 11 points higher than guideline 660, Months Of Reserves - XXXX Months reserved, Prior Mortgage History - XXXX payment history since XXXX | Client Accepted B | 2 |
| XXXXXXXX | 109646 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.1174 | 730 | 80.00% | XXXXXXX | 237722 | Credit | Closing Disclosure | The Seller Closing Disclosure is not included in the loan file. | 5/4/22: Please provide complete separate Seller's CD. 05/05/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 895425 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 3.2728 | 691 | 15.22% | XXXXXXX | 238417 | Credit | Final 1003 Discrepancies | The final 1003 reflects that the borrowers own their primary residence; however, LOE indicates that the property is owned by their son. | 05/05/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 895425 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 3.2728 | 691 | 15.22% | XXXXXXX | 238687 | Credit | Eligibilty | According to the guidelines, borrowers living rent free may be considered on a case-by-case basis. An exception approval is not in the loan file. | 05/06/22: An exception approval was provided for the guideline deviation. | LTV - Borrowers LTV 15.22%; guidelines allow a maximum LTV 75%., Credit Score - Borrowers Credit Score 691; guidelines allow for subject LTV a minimum Credit Score 620. | Client Accepted B | 2 |
| XXXXXXXX | 895425 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 3.2728 | 691 | 15.22% | XXXXXXX | 238688 | Credit | Rental Income | Documentation verifying one month proof of rent received for each unit of subject property is not in file. Rent reflected on appraisal is less than the leases in file. | 5/5/22: $XXXX is the gross market rent from appraisal. Gross actual rents shows $XXXX. Need proof of one month rent for each unit. 05/16/22: An exception approval was provided for the guideline deviation. | LTV - Borrowers LTV 15.22%; guidelines allow a maximum LTV 75%., Credit Score - Borrowers Credit Score 691; guidelines allow for subject LTV a minimum Credit Score 620. | Client Accepted B | 2 |
| XXXXXXXX | 895425 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 3.2728 | 691 | 15.22% | XXXXXXX | 238694 | Credit | 1008 | Final 1008 is not included in the loan file for a manually underwritten loan. | 05/05/22: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXX | 428893 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 2.0101 | 728 | 17.20% | XXXXXXX | 241408 | Credit | HUD-1 | Signed and dated final HUD-1/ Settlement Statements is missing from the loan file. Each HUD in file reflects "Estimated". | 6/8/2022 Document provided to clear exception |  | Cleared Exception A | 1 |
| XXXXXXXX | 850963 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 38.79 |  | 711 | 80.00% | XXXXXXX | 239463 | Credit | Credit | The CPA letter provided did not attest that they have filed the borrower's most recent business tax returns. | 05/20/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 572264 | XXXXXXX | Purchase | Owner Occupied | PUD | 31.81 |  | 707 | 80.00% | XXXXXXX | 239706 | Credit | Program Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 05/18/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 101628 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 34.89 |  | 669 | 80.00% | XXXXXXX | 241159 | Credit | AUS/Loan Approval | The loan was approved under the XXXX program which requires an AUS approval. | 06/9/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 146338 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 34.64 |  | 660 | 75.00% | XXXXXXX | 241363 | Compliance | Other | This loan failed the lender credits that cannot decrease test. The initial LE reflects a lender credit of $XXXX; however, the final CD reflects the lender credit as $XXXX with no change of circumstance included verifying the reason for the credit decrease. | 06/13/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 146338 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 34.64 |  | 660 | 75.00% | XXXXXXX | 241371 | Credit | 1008 | The 1008 does not reflect the correct income (XXXX) which results in an incorrect DTI. | 6/10/22: same 1008 from original file was uploaded. Need 1008 to reflect total income of $XXXX and DTI of XXXX%.<br> 06/23/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 435352 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 2.6711 | 750 | 50.00% | XXXXXXX | 240501 | Property | Appraisal | Missing Desk Review or other third-party valuation product from an approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Teck. | 05/27/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 435352 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 2.6711 | 750 | 50.00% | XXXXXXX | 240615 | Credit | Debt Service Coverage Ratio | A signed and notarized copy of the Business Purpose & Occupancy Affidavit is missing from the loan file. The Business Purpose Affidavit in the file was not notarized. | 05/27/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 435352 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 2.6711 | 750 | 50.00% | XXXXXXX | 240635 | Credit | Note | The Note in the file does not reflect the specific monthly payment amount. | 5/27/22: XXXX made aware of the note and accepts the note as is. |  | Cleared Exception A | 1 |
| XXXXXXXX | 186294 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 8.86 |  | 739 | 45.45% | XXXXXXX | 239625 | Compliance | Other | This loan failed the TILA right of rescission test. The rescission period ended on XXXX which is the same date as the disbursement date from the final CD. | 05/16/22: Documentation provided to cure. |  | Cleared Exception B | 2 |
| XXXXXXXX | 154862 | XXXXXXX | Rate Term Refi | Owner Occupied | PUD | 39.76 |  | 731 | 78.62% | XXXXXXX | 240050 | Credit | Program Eligibilty | Grant deed signed at close changing the ownership/ vesting to XXXX. A personal guaranty from the borrower is missing from the loan file. | 05/20/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 154862 | XXXXXXX | Rate Term Refi | Owner Occupied | PUD | 39.76 |  | 731 | 78.62% | XXXXXXX | 240051 | Credit | Program Eligibilty | Proof of ownership of XXXX is missing from the loan file. Per guidelines, all members of the entity must be a natural person. | 05/24/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 358614 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 11.3 |  | 688 | 31.58% | XXXXXXX | 241862 | Credit | VOM | The mortgage statements for the current construction loan reflect incomplete housing payment history. | 06/13/22: An exception approval was provided for the guideline deviation. | DTI - DTI of 13% is 38.7% less than the maximum allowed DTI of 50%., LTV - LTV of 31.58% is 48.42% Less than the maximum allowed LTV of 80%. | Client Accepted B | 2 |
| XXXXXXXX | 358614 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 11.3 |  | 688 | 31.58% | XXXXXXX | 241932 | Compliance | Other | The XXXX CD is not signed to verify receipt date. | Dry Funding state. |  | Cleared Exception B | 1 |
| XXXXXXXX | 358614 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 11.3 |  | 688 | 31.58% | XXXXXXX | 241933 | Compliance | Other | This loan failed the TILA right of rescission test. The funding date is before the third business day following consummation. | 06/16/2022: Document provided to clear condition. |  | Cleared Exception B | 1 |
| XXXXXXXX | 747229 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 45.96 |  | 707 | 75.00% | XXXXXXX | 240602 | Compliance | Other | This loan failed the charges that cannot increase test. The initial LE reflects the appraisal fee as $XXXX however the final CD reflects the comparable fee as $XXXX for an increase of $XXXX A change of circumstance for the increased fee was not included in the loan file. | 06/2/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 632568 | XXXXXXX | Purchase | Non-Owner Occupied | Condo Attached | 0 | 0.8345 | 698 | 75.00% | XXXXXXX | 239387 | Credit | Closing Disclosure | The final Settlement Statement is not in the loan file. File contains the Estimated Borrower's Statement. | 05/13/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXX | 632568 | XXXXXXX | Purchase | Non-Owner Occupied | Condo Attached | 0 | 0.8345 | 698 | 75.00% | XXXXXXX | 239444 | Compliance | Other | The Prepayment Penalty Addendum/Rider is not in the loan file. | 05/13/2022: Lender verified a PPP addendum was not included as the PPP was incorporated into the docs. |  | Cleared Exception A | 1 |
| XXXXXXXX | 628069 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 31.66 |  | 744 | 56.71% | XXXXXXX | 240537 | Credit | Property Type - Eligibility | According to the guidelines, the maximum lot size is XXXX acres. The appraisal confirmed the lot size of XXXX acres. | Exception request in file- granted by XXXX | Months Of Reserves - XXXX months in reserves, LTV - LTV of 59.14% is 25.86% Less than the maximum allowed LTV of 80%. | Client Accepted B | 2 |
| XXXXXXXX | 557388 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 36.09 |  | 790 | 62.47% | XXXXXXX | 240301 | Property | Appraisal | The appraisal reflects that unpermitted additions were made to the subject property. | 05/23/22: An exception approval was provided for the guideline deviation. | Credit Score - 790 credit score exceeds minimum credit score required of 740., Reserves - 3XXXX88 months of reserves exceed minimum required reserves of XXXX months., Length of Employment - Borrower has been at same employer for XXXX years. | Client Accepted B | 2 |
| XXXXXXXX | 487355 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 44.79 |  | 767 | 80.00% | XXXXXXX | 239866 | Property | Appraisal | The appraisal report is missing from the loan file. | 05/18/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 487355 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 44.79 |  | 767 | 80.00% | XXXXXXX | 239869 | Property | Appraisal | According to the underwriting guidelines, all appraisals require a third-party valuation by an XXXX approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Tek. In this case, the appraisal review product is missing from the loan file. | 05/18/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 487355 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 44.79 |  | 767 | 80.00% | XXXXXXX | 239891 | Credit | Program Eligibilty | The Credit Package is missing from the loan file. Unable to determine eligibility, additional exceptions may apply once credit package is reviewed. | 05/18/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 487355 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 44.79 |  | 767 | 80.00% | XXXXXXX | 239892 | Credit | Sales Contract | The sales contract is missing from the loan file. | 05/18/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 487355 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 44.79 |  | 767 | 80.00% | XXXXXXX | 240035 | Credit | 1008 | Final 1008 document is not included in the loan file. | 05/19/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXX | 487355 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 44.79 |  | 767 | 80.00% | XXXXXXX | 240076 | Compliance | Other | The Homeownership Counseling Disclosure form is missing from the file. | 05/23/22: Documentation provided to cure. |  | Cleared Exception A | 1 |
| **136** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXXX | 398898 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 2.08 |  | 749 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 700941 | XXXXXXX | Purchase | Owner Occupied | Condo Attached | 15.88 |  | 660 | 85.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 714989 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.327 | 730 | 74.51% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 879543 | XXXXXXX | Refi - Cash Out | Owner Occupied | Condo Attached | 40.71 |  | 751 | 78.62% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 991262 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 0 | 0.9525 | 730 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 342317 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 2.5234 | 722 | 31.03% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 913205 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.9821 | 788 | 46.51% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 550008 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 42.84 |  | 789 | 90.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 348864 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.001 | 771 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 672063 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 0 | 823 | 38.95% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 795600 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 0 | 1.0847 | 684 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 857469 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 42.88 |  | 741 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 502133 | XXXXXXX | Purchase | Second Home | Condo Attached | 31.94 |  | 767 | 70.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 940059 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 2.2492 | 821 | 59.90% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 374887 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 48.27 |  | 720 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 330738 | XXXXXXX | Purchase | Owner Occupied | PUD | 16.89 |  | 725 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 316737 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.4188 | 723 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 745078 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.1365 | 761 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 818871 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.3507 | 729 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 187013 | XXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 13.77 |  | 737 | 60.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 419383 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.3114 | 729 | 70.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 478135 | XXXXXXX | Purchase | Owner Occupied | PUD | 7.39 |  | 777 | 90.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 367514 | XXXXXXX | Purchase | Non-Owner Occupied | Condo Attached | 16.06 |  | 789 | 70.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 701089 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.2043 | 788 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 515328 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 49.96 |  | 682 | 77.50% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 149744 | XXXXXXX | Purchase | Owner Occupied | PUD | 34.84 |  | 706 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 611680 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.0045 | 721 | 85.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 808803 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 28.36 |  | 731 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 239501 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 30.78 |  | 692 | 85.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 331377 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 0 | 771 | 69.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 648454 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0718 | 622 | 65.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 833394 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | 0 | 1.8234 | 722 | 50.68% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 607708 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 33.3 |  | 755 | 90.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 361105 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 2.0292 | 723 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 273837 | XXXXXXX | Purchase | Owner Occupied | Two-Unit Property | 31.16 |  | 802 | 76.64% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 944996 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 |  | 776 | 41.40% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 181785 | XXXXXXX | Purchase | Non-Owner Occupied | Condo High-Rise | 0 | 1.3462 | 726 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 937231 | XXXXXXX | Purchase | Non-Owner Occupied | Condo Attached | 35.66 |  | 813 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 266743 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 0.8551 | 775 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 620339 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.769 | 788 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 963303 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.1851 | 751 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 340079 | XXXXXXX | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | 0 | 1.8471 | 696 | 75.68% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 952777 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 0.9419 | 717 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 984912 | XXXXXXX | Purchase | Owner Occupied | PUD | 15.5 |  | 807 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 700638 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 32.79 |  | 727 | 90.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 588800 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 32.23 |  | 745 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 614730 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 0.7907 | 780 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 928492 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0132 | 785 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 762631 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 0.9254 | 721 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 944542 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0099 | 741 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 953930 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 26.78 |  | 776 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 335917 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.0028 | 761 | 64.57% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 225676 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Residential | 0 | 1.0016 | 778 | 59.45% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 284065 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0001 | 778 | 58.88% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 902916 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 28.67 |  | 804 | 70.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 748326 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.1575 | 785 | 85.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 967361 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 20.4 |  | 796 | 72.04% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 920921 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.0508 | 699 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 496884 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 0 | 1.0881 | 741 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 627886 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.4839 | 630 | 65.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 336245 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.1505 | 784 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 994809 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 6.32 |  | 704 | 90.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 563970 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.0158 | 698 | 79.90% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 929902 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 46.23 |  | 704 | 78.52% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 355093 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.1708 | 765 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 827839 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0002 | 768 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 396576 | XXXXXXX | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.0063 | 746 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 727015 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Residential | 0 | 0.7506 | 663 | 58.90% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 303268 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.0543 | 759 | 52.50% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 330243 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.1672 | 715 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 590841 | XXXXXXX | Rate Term Refi | Owner Occupied | Single Family Detached | 45.5 |  | 797 | 56.46% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 385730 | XXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 48.5 |  | 677 | 68.95% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 365056 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 20.79 |  | 735 | 85.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 500479 | XXXXXXX | Purchase | Owner Occupied | Two-Unit Property | 10.2 |  | 750 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 432283 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0029 | 699 | 70.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 324302 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 0 | 1.2058 | 723 | 70.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 253414 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0696 | 785 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 949532 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.499 | 646 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 147506 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.6719 | 693 | 65.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 830855 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.05 | 741 | 74.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 332253 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.1291 | 764 | 70.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 724509 | XXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.012 | 745 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 542514 | XXXXXXX | Purchase | Owner Occupied | PUD | 26.03 |  | 681 | 90.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 116146 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0551 | 692 | 70.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 528892 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 39.6 |  | 767 | 85.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 400409 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 48.25 |  | 734 | 56.60% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 146920 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.196 | 765 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 455672 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 42.44 |  | 658 | 67.74% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 601310 | XXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.006 | 739 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 746093 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0863 | 673 | 60.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 816515 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 28.66 |  | 794 | 90.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 603075 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 32.81 |  | 671 | 75.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 727235 | XXXXXXX | Purchase | Non-Owner Occupied | PUD | 10.97 |  | 705 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 568329 | XXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.3338 | 728 | 66.50% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 794650 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 30.36 |  | 701 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 276094 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 42.66 |  | 696 | 90.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 785493 | XXXXXXX | Refi - Cash Out | Second Home | Single Family Detached | 33.16 |  | 789 | 32.13% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 952454 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 39.05 |  | 706 | 90.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXX | 907635 | XXXXXXX | Purchase | Owner Occupied | Single Family Detached | 24.14 |  | 741 | 80.00% | XXXXXXX |  |  |  |  |  |  | A |  |
| **99** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

**Rating Agency Grades: 4/16/2026**

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXX | 398898 | XXXXXXXXX A |
| XXXXXXX | 907137 | XXXXXXXXX C A |
| XXXXXXX | 700941 | XXXXXXXXX A |
| XXXXXXX | 714989 | XXXXXXXXX A |
| XXXXXXX | 879543 | XXXXXXXXX A |
| XXXXXXX | 127318 | XXXXXXXXX A C |
| XXXXXXX | 106481 | XXXXXXXXX C A |
| XXXXXXX | 991262 | XXXXXXXXX A |
| XXXXXXX | 883040 | XXXXXXXXX C A B |
| XXXXXXX | 354705 | XXXXXXXXX C A |
| XXXXXXX | 766174 | XXXXXXXXX C A |
| XXXXXXX | 416268 | XXXXXXXXX A C |
| XXXXXXX | 557263 | XXXXXXXXX C A |
| XXXXXXX | 139727 | XXXXXXXXX C A |
| XXXXXXX | 364143 | XXXXXXXXX C A B |
| XXXXXXX | 342317 | XXXXXXXXX A |
| XXXXXXX | 847072 | XXXXXXXXX C A |
| XXXXXXX | 662046 | XXXXXXXXX C A |
| XXXXXXX | 913205 | XXXXXXXXX A |
| XXXXXXX | 550008 | XXXXXXXXX A |
| XXXXXXX | 903397 | XXXXXXXXX A D |
| XXXXXXX | 544509 | XXXXXXXXX C A |
| XXXXXXX | 425129 | XXXXXXXXX A C |
| XXXXXXX | 122166 | XXXXXXXXX A C |
| XXXXXXX | 348864 | XXXXXXXXX A |
| XXXXXXX | 134160 | XXXXXXXXX C A B |
| XXXXXXX | 672063 | XXXXXXXXX A |
| XXXXXXX | 795600 | XXXXXXXXX A |
| XXXXXXX | 661683 | XXXXXXXXX C A B |
| XXXXXXX | 715450 | XXXXXXXXX A C |
| XXXXXXX | 426389 | XXXXXXXXX A C |
| XXXXXXX | 857469 | XXXXXXXXX A |
| XXXXXXX | 502133 | XXXXXXXXX A |
| XXXXXXX | 940059 | XXXXXXXXX A |
| XXXXXXX | 668710 | XXXXXXXXX C A |
| XXXXXXX | 374887 | XXXXXXXXX A |
| XXXXXXX | 465214 | XXXXXXXXX A C |
| XXXXXXX | 784306 | XXXXXXXXX C A |
| XXXXXXX | 845288 | XXXXXXXXX C A |
| XXXXXXX | 330738 | XXXXXXXXX A |
| XXXXXXX | 331799 | XXXXXXXXX D A |
| XXXXXXX | 488802 | XXXXXXXXX C A B |
| XXXXXXX | 316737 | XXXXXXXXX A |
| XXXXXXX | 745078 | XXXXXXXXX A |
| XXXXXXX | 818871 | XXXXXXXXX A |
| XXXXXXX | 187013 | XXXXXXXXX A |
| XXXXXXX | 419383 | XXXXXXXXX A |
| XXXXXXX | 433601 | XXXXXXXXX C A |
| XXXXXXX | 423331 | XXXXXXXXX C A B |
| XXXXXXX | 478135 | XXXXXXXXX A |
| XXXXXXX | 345641 | XXXXXXXXX C A |
| XXXXXXX | 367514 | XXXXXXXXX A |
| XXXXXXX | 701089 | XXXXXXXXX A |
| XXXXXXX | 515328 | XXXXXXXXX A |
| XXXXXXX | 149744 | XXXXXXXXX A |
| XXXXXXX | 611680 | XXXXXXXXX A |
| XXXXXXX | 226604 | XXXXXXXXX D A |
| XXXXXXX | 543495 | XXXXXXXXX C A |
| XXXXXXX | 429485 | XXXXXXXXX A C |
| XXXXXXX | 451416 | XXXXXXXXX C A B |
| XXXXXXX | 485452 | XXXXXXXXX C A |
| XXXXXXX | 808803 | XXXXXXXXX A |
| XXXXXXX | 239501 | XXXXXXXXX A |
| XXXXXXX | 345095 | XXXXXXXXX C A |
| XXXXXXX | 533086 | XXXXXXXXX C D A |
| XXXXXXX | 751627 | XXXXXXXXX C A B |
| XXXXXXX | 303744 | XXXXXXXXX C A |
| XXXXXXX | 331377 | XXXXXXXXX A |
| XXXXXXX | 795675 | XXXXXXXXX A C |
| XXXXXXX | 660881 | XXXXXXXXX C A D B |
| XXXXXXX | 643474 | XXXXXXXXX C A |
| XXXXXXX | 822815 | XXXXXXXXX C A B |
| XXXXXXX | 381211 | XXXXXXXXX C A |
| XXXXXXX | 648454 | XXXXXXXXX A |
| XXXXXXX | 833394 | XXXXXXXXX A |
| XXXXXXX | 506108 | XXXXXXXXX A C |
| XXXXXXX | 656481 | XXXXXXXXX A C |
| XXXXXXX | 607708 | XXXXXXXXX A |
| XXXXXXX | 161901 | XXXXXXXXX A C |
| XXXXXXX | 361105 | XXXXXXXXX A |
| XXXXXXX | 186117 | XXXXXXXXX C A |
| XXXXXXX | 273837 | XXXXXXXXX A |
| XXXXXXX | 944996 | XXXXXXXXX A |
| XXXXXXX | 891616 | XXXXXXXXX C A |
| XXXXXXX | 703967 | XXXXXXXXX C A |
| XXXXXXX | 848928 | XXXXXXXXX C A B |
| XXXXXXX | 294594 | XXXXXXXXX C A B |
| XXXXXXX | 181785 | XXXXXXXXX A |
| XXXXXXX | 363292 | XXXXXXXXX A C |
| XXXXXXX | 769121 | XXXXXXXXX C A |
| XXXXXXX | 910899 | XXXXXXXXX C A B |
| XXXXXXX | 459636 | XXXXXXXXX D A |
| XXXXXXX | 963568 | XXXXXXXXX C A B |
| XXXXXXX | 937231 | XXXXXXXXX A |
| XXXXXXX | 266743 | XXXXXXXXX A |
| XXXXXXX | 704825 | XXXXXXXXX A C |
| XXXXXXX | 620339 | XXXXXXXXX A |
| XXXXXXX | 469191 | XXXXXXXXX C A B |
| XXXXXXX | 963303 | XXXXXXXXX A |
| XXXXXXX | 340079 | XXXXXXXXX A |
| XXXXXXX | 952777 | XXXXXXXXX A |
| XXXXXXX | 305081 | XXXXXXXXX C A |
| XXXXXXX | 533849 | XXXXXXXXX A C |
| XXXXXXX | 517477 | XXXXXXXXX C A D |
| XXXXXXX | 156352 | XXXXXXXXX C A D |
| XXXXXXX | 363819 | XXXXXXXXX C A B |
| XXXXXXX | 984912 | XXXXXXXXX A |
| XXXXXXX | 759153 | XXXXXXXXX C A D B |
| XXXXXXX | 700638 | XXXXXXXXX A |
| XXXXXXX | 541984 | XXXXXXXXX C A B |
| XXXXXXX | 438630 | XXXXXXXXX C A |
| XXXXXXX | 950894 | XXXXXXXXX A C |
| XXXXXXX | 592033 | XXXXXXXXX C A B |
| XXXXXXX | 588800 | XXXXXXXXX A |
| XXXXXXX | 416816 | XXXXXXXXX C A |
| XXXXXXX | 614730 | XXXXXXXXX A |
| XXXXXXX | 928492 | XXXXXXXXX A |
| XXXXXXX | 614900 | XXXXXXXXX C A |
| XXXXXXX | 276070 | XXXXXXXXX C A |
| XXXXXXX | 862212 | XXXXXXXXX C A |
| XXXXXXX | 948542 | XXXXXXXXX A C B |
| XXXXXXX | 762631 | XXXXXXXXX A |
| XXXXXXX | 944542 | XXXXXXXXX A |
| XXXXXXX | 201001 | XXXXXXXXX C A D |
| XXXXXXX | 953930 | XXXXXXXXX A |
| XXXXXXX | 335917 | XXXXXXXXX A |
| XXXXXXX | 175100 | XXXXXXXXX A C |
| XXXXXXX | 802372 | XXXXXXXXX C A |
| XXXXXXX | 345439 | XXXXXXXXX C A |
| XXXXXXX | 704482 | XXXXXXXXX C A |
| XXXXXXX | 405094 | XXXXXXXXX A C |
| XXXXXXX | 927297 | XXXXXXXXX C A |
| XXXXXXX | 996963 | XXXXXXXXX C A |
| XXXXXXX | 225676 | XXXXXXXXX A |
| XXXXXXX | 284065 | XXXXXXXXX A |
| XXXXXXX | 255369 | XXXXXXXXX C A D B |
| XXXXXXX | 131941 | XXXXXXXXX C A |
| XXXXXXX | 488689 | XXXXXXXXX D A |
| XXXXXXX | 412281 | XXXXXXXXX C A |
| XXXXXXX | 983588 | XXXXXXXXX C A |
| XXXXXXX | 902916 | XXXXXXXXX A |
| XXXXXXX | 272134 | XXXXXXXXX C A |
| XXXXXXX | 398359 | XXXXXXXXX C A |
| XXXXXXX | 383632 | XXXXXXXXX D A |
| XXXXXXX | 748326 | XXXXXXXXX A |
| XXXXXXX | 967361 | XXXXXXXXX A |
| XXXXXXX | 920921 | XXXXXXXXX A |
| XXXXXXX | 496884 | XXXXXXXXX A |
| XXXXXXX | 769168 | XXXXXXXXX C A |
| XXXXXXX | 744536 | XXXXXXXXX C A |
| XXXXXXX | 627886 | XXXXXXXXX A |
| XXXXXXX | 336245 | XXXXXXXXX A |
| XXXXXXX | 297271 | XXXXXXXXX C A |
| XXXXXXX | 521748 | XXXXXXXXX C A |
| XXXXXXX | 775202 | XXXXXXXXX C A B |
| XXXXXXX | 360027 | XXXXXXXXX C A B |
| XXXXXXX | 994809 | XXXXXXXXX A |
| XXXXXXX | 563970 | XXXXXXXXX A |
| XXXXXXX | 717817 | XXXXXXXXX C A |
| XXXXXXX | 929902 | XXXXXXXXX A |
| XXXXXXX | 631765 | XXXXXXXXX C A B |
| XXXXXXX | 119484 | XXXXXXXXX D A C |
| XXXXXXX | 474913 | XXXXXXXXX C A |
| XXXXXXX | 355093 | XXXXXXXXX A |
| XXXXXXX | 374837 | XXXXXXXXX C A B |
| XXXXXXX | 815287 | XXXXXXXXX C A |
| XXXXXXX | 827839 | XXXXXXXXX A |
| XXXXXXX | 924500 | XXXXXXXXX C A B |
| XXXXXXX | 906038 | XXXXXXXXX C A |
| XXXXXXX | 396576 | XXXXXXXXX A |
| XXXXXXX | 727015 | XXXXXXXXX A |
| XXXXXXX | 564882 | XXXXXXXXX C A |
| XXXXXXX | 303268 | XXXXXXXXX A |
| XXXXXXX | 288866 | XXXXXXXXX C A |
| XXXXXXX | 330243 | XXXXXXXXX A |
| XXXXXXX | 590841 | XXXXXXXXX A |
| XXXXXXX | 385730 | XXXXXXXXX A |
| XXXXXXX | 117271 | XXXXXXXXX C A B |
| XXXXXXX | 365056 | XXXXXXXXX A |
| XXXXXXX | 212843 | XXXXXXXXX C A |
| XXXXXXX | 751449 | XXXXXXXXX A C |
| XXXXXXX | 500479 | XXXXXXXXX A |
| XXXXXXX | 752802 | XXXXXXXXX C A |
| XXXXXXX | 432283 | XXXXXXXXX A |
| XXXXXXX | 324302 | XXXXXXXXX A |
| XXXXXXX | 975434 | XXXXXXXXX A C |
| XXXXXXX | 253414 | XXXXXXXXX A |
| XXXXXXX | 949532 | XXXXXXXXX A |
| XXXXXXX | 255251 | XXXXXXXXX C A |
| XXXXXXX | 456652 | XXXXXXXXX C A B |
| XXXXXXX | 147506 | XXXXXXXXX A |
| XXXXXXX | 830855 | XXXXXXXXX A |
| XXXXXXX | 628342 | XXXXXXXXX A C |
| XXXXXXX | 332253 | XXXXXXXXX A |
| XXXXXXX | 960524 | XXXXXXXXX C A B |
| XXXXXXX | 259786 | XXXXXXXXX C A B |
| XXXXXXX | 827275 | XXXXXXXXX A C |
| XXXXXXX | 724509 | XXXXXXXXX A |
| XXXXXXX | 584710 | XXXXXXXXX C A |
| XXXXXXX | 542514 | XXXXXXXXX A |
| XXXXXXX | 116146 | XXXXXXXXX A |
| XXXXXXX | 528892 | XXXXXXXXX A |
| XXXXXXX | 400409 | XXXXXXXXX A |
| XXXXXXX | 146920 | XXXXXXXXX A |
| XXXXXXX | 455672 | XXXXXXXXX A |
| XXXXXXX | 328888 | XXXXXXXXX C A B |
| XXXXXXX | 601310 | XXXXXXXXX A |
| XXXXXXX | 530732 | XXXXXXXXX D C A |
| XXXXXXX | 499137 | XXXXXXXXX C B A |
| XXXXXXX | 109646 | XXXXXXXXX C A |
| XXXXXXX | 895425 | XXXXXXXXX C A B |
| XXXXXXX | 428893 | XXXXXXXXX C A |
| XXXXXXX | 850963 | XXXXXXXXX C A |
| XXXXXXX | 572264 | XXXXXXXXX C A |
| XXXXXXX | 746093 | XXXXXXXXX A |
| XXXXXXX | 101628 | XXXXXXXXX C A |
| XXXXXXX | 146338 | XXXXXXXXX C A |
| XXXXXXX | 816515 | XXXXXXXXX A |
| XXXXXXX | 435352 | XXXXXXXXX C A |
| XXXXXXX | 603075 | XXXXXXXXX A |
| XXXXXXX | 186294 | XXXXXXXXX A C B |
| XXXXXXX | 154862 | XXXXXXXXX C A |
| XXXXXXX | 727235 | XXXXXXXXX A |
| XXXXXXX | 568329 | XXXXXXXXX A |
| XXXXXXX | 794650 | XXXXXXXXX A |
| XXXXXXX | 358614 | XXXXXXXXX C A B |
| XXXXXXX | 747229 | XXXXXXXXX A C |
| XXXXXXX | 632568 | XXXXXXXXX C A |
| XXXXXXX | 628069 | XXXXXXXXX C A B |
| XXXXXXX | 276094 | XXXXXXXXX A |
| XXXXXXX | 557388 | XXXXXXXXX A C B |
| XXXXXXX | 785493 | XXXXXXXXX A |
| XXXXXXX | 952454 | XXXXXXXXX A |
| XXXXXXX | 907635 | XXXXXXXXX A |
| XXXXXXX | 487355 | XXXXXXXXX C A |

---

## Exhibit 99.5

**Exceptions Report: 12/16/2025**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **FICO** | **LTV** | **Note Original Balance** | **Exception Note** | **Exception General Comment** | **Comments** | **Condition** | **Exception Status** | **Grade** |
| 139727 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0.00 | 799 | 63.48% | XXXXXX | Note - The terms of the prepayment penalty on the Prepayment Addendum to Note are not completed. | Note - 02/07/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 544509 | XXXXXX | Purchase | Non-Owner Occupied | Four-Unit Property | 0.00 | 745 | 75.00% | XXXXXX | 1008 - Final 1008 is not included in the loan file for a manually underwritten loan.<br>Appraisal - CDA appraisal review is not in the loan file.  | 1008 - 02/02/22: Documentation provided to cure.<br>Appraisal - 02/02/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 127318 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 727 | 80.00% | XXXXXX | Prepayment Notice - Gov - The Prepayment Addendum is missing from the loan file.  | Prepayment Notice - Gov - 02/10/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 557263 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 761 | 74.99% | XXXXXX | Other - The Prepayment Addendum does not reflect the terms of the prepayment penalty.<br>Funds to Close - The Seller's Closing Disclosure from sale of other property verifying proceeds used for subject property funds to close is not in the file. | Other - 02/09/22: Documentation provided to cure.<br>Funds to Close - 02/08/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 364143 | XXXXXX | Purchase | Non-Owner Occupied | Condo Detached | 0.00 | 745 | 75.00% | XXXXXX | Debt Service Coverage Ratio - DSCR of .XXXX is less than the guideline minimum of XXXX for a 1st time investor.<br>Appraisal - CDA appraisal review is not in the loan file. | Debt Service Coverage Ratio - An exception approval was provided for the guideline deviation.<br>Appraisal - 02/18/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 354705 | XXXXXX | Refi - Cash Out | Owner Occupied | PUD | 49.96 | 689 | 41.95% | XXXXXX | Funds to Close - The verified reserves of XXXX months is less than the guideline (DU) minimum of XXXX months. | Funds to Close - 02/16/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 661683 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 730 | 75.00% | XXXXXX | VOM - According to the guidelines, borrowers living rent free may be considered on a case by case basis. An exception approval is not in the loan file. | VOM - 2/28/22: Exception has not been uploaded.<br> 03/07/2022: XXXX approved the borrower living rent free.  |  | No | Client Accepted B | 2 |
| 903397 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0.00 | 803 | 38.89% | XXXXXX | Appraisal - Per guidelines all loans require a desk review or other third-party valuation product by an approved vendor. | Appraisal - 02/18/22: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 668710 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 23.17 | 792 | 65.00% | XXXXXX | Program Eligibilty - According to the guidelines, borrowers may not own an additional single-family residence of equal or greater value than subject property. The borrower's departing residence was disclosed on the final loan application as having a value of $XXXX. The subject property appraised value is $XXXX<br>Income - The loan file does not include XXXX months of business or personal bank statements used to verify the qualifying income.<br>Credit - Documentation verifying the taxes, insurance, and HOA, if applicable, for the departing residence at XXXX. is not in the loan file.<br>Closing Disclosure - The Seller Closing Disclosure is not included in the loan file. | Program Eligibilty - 02/24/22: Documentation provided to cure.<br>Income - 02/24/22: Documentation provided to cure.<br>Credit - 02/24/22: Documentation provided to cure.<br>Closing Disclosure - 02/22/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 426389 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 35.59 | 716 | 80.00% | XXXXXX | Appraisal - CDA appraisal review is missing from the loan file. | Appraisal - 02/18/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 845288 | XXXXXX | Purchase | Non-Owner Occupied | Townhome | 0.00 | 684 | 60.00% | XXXXXX | Credit Report - According to the guidelines, a minimum of XXXX years seasoning (or XXXX years with LLPA) is required after a housing event. The credit report reflects foreclosure activity as recently as XXXX<br>Credit - Evidence borrower's primary residence is owned free and clear is not in the loan file. | Credit Report - 3/8/22: Credit report reflects XXXX and XXXX as recently as 07/18 which is considered a housing event per guidelines. Please provide an exception. 03/16/22: Documentation provided to cure.<br>Credit - 3/8/22: XXXX report provided is for XXXX The primary residence is XXXX 03/09/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 488802 | XXXXXX | Purchase | Owner Occupied | PUD | 21.90 | 712 | 80.00% | XXXXXX | Income - Missing 24 months of business bank statements to calculate qualifying income. The loan file only contains one complete statement for XXXX dated XXXX.<br>LTV - The approved LTV of XXXX% is greater the maximum allowed LTV of 75% for a credit score of 712 and loan amount > $XXXX. The borrowers both own 50% of the business and the lower of the 2 mid scores is 712. | Income - 03/11/22: Documentation provided to cure.<br>LTV - 03/11/22: An exception approval was provided for the guideline deviation. |  | No | Client Accepted B | 2 |
| 363292 | XXXXXX | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | 0.00 | 723 | 57.32% | XXXXXX | Appraisal - CDA appraisal review was not included in the loan file.  | Appraisal - 03/15/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 331799 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 44.49 | 739 | 57.50% | XXXXXX | Employment-Self Employment - Provide an internet search of the business to support the business narrative.<br>Final 1003 - Provide a final 1003 that reflects the co-borrower's income<br>Credit - Final 1003 reflects the borrowers own primary residence; however, the property is not listed in the REO (Section 3). | Employment-Self Employment - 03/11/22: Documentation provided to cure.<br>Final 1003 - 03/22/22: Documentation provided to cure.<br>Credit - 03/22/22: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 703967 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 5.46 | 694 | 52.63% | XXXXXX | Borrower Eligibilty - Evidence of borrowers tax and insurance for primary residence at XXXX is missing from the loan file.<br>Program Eligibilty - A third party fraud detection report is not in the loan file. | Borrower Eligibilty - 03/25/22: Documentation provided to cure.<br>Program Eligibilty - 03/25/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 517477 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 747 | 75.00% | XXXXXX | Credit Report - Most of the credit documentation is missing from the loan file including, credit report, appraisal, 1008, lease agreement, initial 1003, title commitment, hazard, flood cert, etc. Unable to calculate DSCR.<br>Credit - A third party fraud detection report is not in the loan file.<br>Rental Income - Documentation verifying receipt of one month rental income is not in the file.<br>Note - The P&I payment on the note reflect an Interest Only payment, however the note does not reflect an IO term. Please provide a corrected executed Note and 1008 reflecting an interest only period.<br>Appraisal - URAR/Appraisal document is not included in the loan file. | Credit Report - 3/23/22: Missing lease agreement, 1008, CDA appraisal review, SSR, title. Only 95 pages in the original file provided. Please provide the complete loan file. 03/30/22: Documentation provided to cure.<br>Credit - 03/22/22: Documentation provided to cure.<br>Rental Income - 03/31/22: Documentation provided to cure.<br>Note - 07/13/2022: Document provided to clear condition. <br>Appraisal - 03/22/22: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 948542 | XXXXXX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0.00 | 788 | 75.00% | XXXXXX | Appraised Value - Subject property was purchased less than XXXX months (XXXX) for $XXXX Per 1008, appraised value was used to calculate LTV. Per guidelines, as of Note date, within XXXX months, LTV/CLTV will be based on the lesser of the original purchase price plus improvements or current appraised value. Proof of improvements is not included in the loan file. LTV subject to change based on improvement costs. | Appraised Value - 3/29/2022: Exception form is from XXXX and not our Client. Need evidence Client approved this exception. <br> 04/01/22: An exception approval was provided for the guideline deviation. |  | No | Client Accepted B | 2 |
| 201001 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 765 | 75.00% | XXXXXX | Program Eligibilty - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>Appraisal - Per guidelines all loans require a desk review or other third-party valuation product with an LTV >XXXX%. 3rd party valuation from an approved vendor is missing from the loan file. | Program Eligibilty - 03/24/22: Documentation provided to cure.<br>Appraisal - 04/11/22: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 963568 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 789 | 70.00% | XXXXXX | Debt Service Coverage Ratio - Business Purpose & Occupancy Affidavit is missing from the loan file.<br>Program Eligibilty - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. <br>Program Eligibilty - According to the guidelines, borrowers living rent free may be considered on a case by case basis. Borrowers 1 & 2 are living rent free. | Debt Service Coverage Ratio - 03/29/22: Documentation provided to cure.<br>Program Eligibilty - 03/29/22: Documentation provided to cure.<br>Program Eligibilty - An exception approval was provided for the guideline deviation. |  | No | Client Accepted B | 2 |
| 381211 | XXXXXX | Purchase | Owner Occupied | PUD | 43.88 | 700 | 90.00% | XXXXXX | Other - This loan failed the charges that cannot increase test. The XXXX LE reflects the discount points fee as $XXXX; however, the final CD reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file.<br>Underwriting Condition Not Met - A third party fraud detection report is not in the loan file. | Other - 03/28/22: Documentation provided to cure.<br>Underwriting Condition Not Met - 03/28/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 131941 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Attached | 0.00 | 730 | 75.00% | XXXXXX | Credit - A third party fraud detection report is not in the loan file. | Credit - 03/30/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 134160 | XXXXXX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0.00 | 743 | 70.00% | XXXXXX | Borrower Eligibilty - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>1008 - The 1008 is missing from the loan file.<br>Credit - According to the guidelines, the maximum number of financed properties to any one borrower is limited to XXXX residential properties. | Borrower Eligibilty - 03/30/22: Documentation provided to cure.<br>1008 - 03/30/22: Documentation provided to cure.<br>Credit - 04/01/22: An exception approval was provided for the guideline deviation. |  | No | Client Accepted B | 2 |
| 416816 | XXXXXX | Purchase | Non-Owner Occupied | Three-Unit Property | 0.00 | 710 | 75.00% | XXXXXX | Debt Service Coverage Ratio - A copy of the Business Purpose & Occupancy Affidavit is not in the loan file. | Debt Service Coverage Ratio - 3/31/22: Provide Business Purpose & Occupancy Affidavit. Document provided does not verify Business Purpose. <br> 04/18/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 950894 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 806 | 80.00% | XXXXXX | Appraisal - According to the underwriting guidelines, all appraisals require a third-party valuation by an XXXX approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Tek. In this case, the appraisal review product is missing from the loan file. | Appraisal - 03/31/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 592033 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 806 | 80.00% | XXXXXX | Credit - Seller seasoning is less than XXXX months. Seller purchased property XXXX for $XXXXand selling for $XXXX<br>Appraisal - A third party review from an approved vendor is missing from the loan file. | Credit - Exception was granted on 2/16/2022 by XXXX Exception is in the file.<br>Appraisal - 03/30/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 704825 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 786 | 73.77% | XXXXXX | Appraisal - A third-party valuation by an XXXX approved vendor is missing from the loan file.<br>| Appraisal - 04/01/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 175100 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 688 | 80.00% | XXXXXX | Appraisal - According to the underwriting guidelines, all appraisals require a third-party valuation by an XXXX approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Tek. In this case, the appraisal review product is missing from the loan file.  | Appraisal - 4/5/22: Please provide CDA report. 04/21/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 751627 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0.00 | 736 | 70.00% | XXXXXX | Debt Service Coverage Ratio - A current lease agreement and documentation verifying one month receipt of rental income are missing from the loan file.<br>Appraisal - The third party review from an approved vendor is missing from the loan file. | Debt Service Coverage Ratio - 4/7/22: Please provide exception on a XXXX approved exception form. 4/11/22: Need XXXX approved exception form.<br> 04/12/2022: XXXX approved the loan with email correspondence<br>Appraisal - 04/04/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 294594 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 768 | 75.00% | XXXXXX | Program Eligibilty - A complete third party fraud detection report is not in the loan file.<br>Credit - According to the guidelines, borrowers living rent free may be considered on a case by case basis.<br>VOM - Rent-free letter from the homeowner is not in the loan file. The letter in the file is from the borrower. | Program Eligibilty - 04/12/22: Documentation provided to cure.<br>Credit - 4/13/22: Please provide an exception from XXXX for the borrower living rent-free. 04/18/22: An exception approval was provided for the guideline deviation.<br>VOM - 4/13/22: letter from buyer was provided. per guidelines, attestation from homeowner is required. <br> 04/18/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 305081 | XXXXXX | Refi - Cash Out | Owner Occupied | PUD | 50.00 | 687 | 79.94% | XXXXXX | Other - This loan failed the charges that cannot increase test. The 2/23/2022 LE reflects the discount points fee as $XXXX however the final CD reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file.<br>Hazard Insurance - Copy of current Homeowner's Insurance Policy is missing from the loan file. The policy in the file reflects an effective date of XXXX which is after the closing date of XXXX. | Other - 04/14/22: Documentation provided to cure.<br>Hazard Insurance - 04/12/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 438630 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 29.71 | 733 | 86.53% | XXXXXX | Credit - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>VOM - 12 months proof of payment via cancelled checks, bank debits or institutional VOR is missing from the loan file for Borrower 1 (XXXX). | Credit - 04/08/22: Documentation provided to cure.<br>VOM - 04/25/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 303744 | XXXXXX | Purchase | Owner Occupied | PUD | 27.93 | 749 | 90.00% | XXXXXX | Other - This loan failed the TRID closing disclosure date and funding date validation test. The final CD receipt date is after the funding date.<br>Hazard Insurance - The property insurance policy or certificate is not included in the loan file.<br>Income - XXXX statement for XXXX account #XXXX is missing from the loan file.<br>Credit - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | Other - 05/03/22: Documentation provided to cure.<br>Hazard Insurance - 04/08/22: Documentation provided to cure.<br>Income - 4/12/22: 12/2020 statement was provided. Need 12/2021 statement. 04/19/22: Documentation provided to cure.<br>Credit - 04/08/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 744536 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 33.78 | 748 | 90.00% | XXXXXX | Other - This loan failed the charges that cannot increase test. The initial LE reflects the broker fee as $XXXX, Document Preparation Fee-2 as $XXXX, and the E Docs fee as $XXXX, however the final CD reflects the broker fee as $XXXX, E Docs Fee as $XXXXand the Document preparation fee-2 as $XXXX, for an increase of $XXXX A change of circumstance for the increased fees was not included in the loan file.<br>Credit - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. Only pages 16-18 of Dataverify report are in the file. | Other - 04/14/22: Documentation provided to cure.<br>Credit - 04/13/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 276070 | XXXXXX | Purchase | Owner Occupied | PUD | 32.75 | 702 | 90.00% | XXXXXX | Other - This loan failed the lender credits that cannot decrease test. The initial XXXX CD reflects a lender credit of $XXXX; however, the final CD reflects the lender credit as $XXXX with no change of circumstance included verifying the reason for the credit decrease. <br>Credit - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | Other - COC provided to clear condition. <br>Credit - 04/13/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 119484 | XXXXXX | Purchase | Owner Occupied | PUD | 26.13 | 706 | 61.70% | XXXXXX | Closing Disclosure - The Seller Closing Disclosure is not included in the loan file.<br>Appraisal - The PUD box is not marked on the Appraisal. | Closing Disclosure - 04/13/22: Documentation provided to cure.<br>Appraisal - 04/14/22: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 848928 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 768 | 75.00% | XXXXXX | Program Eligibilty - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>Program Eligibilty - Borrower living rent free may be considered on a case-by-case basis.  | Program Eligibilty - 04/18/22: Documentation provided to cure.<br>Program Eligibilty - 04/18/22: An exception approval was provided for the guideline deviation. |  | No | Client Accepted B | 2 |
| 328888 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 42.56 | 687 | 75.00% | XXXXXX | Initial 1003 Discrepancies - Initial 1003 does not reflect the application date. <br>FICO - According to the guidelines for XXXX no borrower can have a middle FICO score less than 660. The co-borrower's middle score is 649.<br>Appraisal - According to the underwriting guidelines, all appraisals require a third-party valuation by an XXXX approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Tek. In this case, the appraisal review product is missing from the loan file. | Initial 1003 Discrepancies - 4/21/22: Initial application date is required for compliance purposes. 04/27/22: Documentation provided to cure.<br>FICO - 4/27/22: Please provide approved XXXX exception form. 4/27/22: XXXX elects to waive this exception.<br>Appraisal - 04/21/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 469191 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 768 | 65.00% | XXXXXX | Program Eligibilty - Borrower living rent free may be considered on a case by case basis. | Program Eligibilty - 04/18/22: An exception approval was provided for the guideline deviation. |  | No | Client Accepted B | 2 |
| 255251 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 793 | 75.00% | XXXXXX | Initial 1003 - The initial 1003 is not included in the loan file.<br>Funds to Close - XXXX statement reflects deposits of $XXXX and $XXXX on 3/21/22. Documentation verifying the source of the large deposits is not in the file.<br>Funds to Close - XXXX statement reflects an outgoing wire of $XXXXon 3/28/22. Documentation verifying these funds were wired to title company for subject property funds to close is not in file. Without these funds, borrower is short funds to close as balance on this account was $XXXX on XXXX. | Initial 1003 - 04/21/22: Documentation provided to cure.<br>Funds to Close - 4/21/22: source of $XXXX deposit provided. Need source of $XXXX deposit. 04/25/22: Documentation provided to cure.<br>Funds to Close - 4/25/22: Please provide documentation verifying the $XXXX wire to title company for subject funds to close. 4/27/22: the $XXXX is an outgoing wire from borrower's XXXX on XXXX Need to know if these funds were used towards subject prop funds to close because without the $XXXX, borrower is short funds to close on closing date of XXXX <br> 05/04/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 474913 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 16.93 | 759 | 80.00% | XXXXXX | Program Eligibilty - A complete third party fraud detection report is not in the loan file.<br>| Program Eligibilty - 04/21/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 345095 | XXXXXX | Purchase | Second Home | Condo Attached | 47.06 | 787 | 75.00% | XXXXXX | Credit - A complete third party fraud detection report is not in the loan file. | Credit - 04/25/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 631765 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 768 | 70.00% | XXXXXX | Program Eligibilty - Borrower living rent free may be considered on a case by case basis. An exception form is not in the loan file. | Program Eligibilty - 04/19/22: An exception approval was provided for the guideline deviation. |  | No | Client Accepted B | 2 |
| 405094 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 764 | 85.00% | XXXXXX | Appraisal - Third-party valuation by an XXXX approved vendor is not in the loan file. | Appraisal - 04/18/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 398359 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 784 | 80.00% | XXXXXX | 1008 - 1008 should not have any income and DTI information listed for a DSCR loan. | 1008 - 04/21/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 983588 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 49.97 | 745 | 80.00% | XXXXXX | Final 1003 Discrepancies - Final 1003 is missing demographic information. | Final 1003 Discrepancies - 04/22/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 297271 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 38.29 | 772 | 70.00% | XXXXXX | Credit - A third party fraud detection report is not in the loan file. | Credit - 04/27/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 456652 | XXXXXX | Purchase | Owner Occupied | PUD | 43.17 | 801 | 80.00% | XXXXXX | Other - This loan failed the charges that cannot increase test. The initial LE reflects the discount points fee as $XXXX and the recording service fee as $XXXX, however the final CD reflects the discount points fee as $XXXX and the recording service fee as $XXXX, for an increase of $XXXX. A change of circumstance for the increased fees was not included in the loan file.<br>Program Eligibilty - If seller has owned property < XXXX months, approval is considered on a case-by-case basis. | Other - 04/27/22: Documentation provided to cure.<br>Program Eligibilty - Exception requested granted by XXXX on XXXX and in file. |  | No | Client Accepted B | 2 |
| 488689 | XXXXXX | Purchase | Second Home | Condo High-Rise | 37.20 | 727 | 75.00% | XXXXXX | 1008 - The final 1008 reflects incorrect loan program as XXXX; however, the rate lock reflects the program as XXXX- XXXX months P&L.<br>Closing Disclosure - The Seller Closing Disclosure is not included in the loan file. | 1008 - 05/05/22: Documentation provided to cure.<br>Closing Disclosure - 05/05/22: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 109646 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 730 | 80.00% | XXXXXX | Closing Disclosure - The Seller Closing Disclosure is not included in the loan file. | Closing Disclosure - 5/4/22: Please provide complete separate Seller's CD. 05/05/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 862212 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 49.98 | 700 | 47.88% | XXXXXX | Credit - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>AUS/Loan Approval - The AUS Certificate is not in the loan file as required for XXXX | Credit - 05/02/22: Documentation provided to cure.<br>AUS/Loan Approval - 05/02/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 960524 | XXXXXX | Refi - Cash Out | Owner Occupied | PUD | 6.01 | 802 | 75.00% | XXXXXX | Eligibilty - According to the guidelines, for a cash-out transaction, the borrower must have owned the property for a minimum of XXXX months prior to the Note date. The borrower purchased property on XXXX | Eligibilty - Exception request to do cash up up to XXXX% LTV with less than XXXX months seasoning was approved by XXXX and is in file. |  | No | Client Accepted B | 2 |
| 769168 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 703 | 80.00% | XXXXXX | Closing Disclosure - The Seller's Closing Disclosure is not included in the loan file. | Closing Disclosure - 05/03/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 717817 | XXXXXX | Purchase | Owner Occupied | PUD | 45.98 | 801 | 80.00% | XXXXXX | Other - This loan failed the lender credits that cannot decrease test. The initial LE reflects a lender credit of $XXXX; however, the final CD reflects the lender credit as $XXXX with no change of circumstance included verifying the reason for the credit decrease. <br>Other - This loan failed the charges that cannot increase test. TheXXXX--2 LE reflects the discount points fee as $XXXX; however, the final CD reflects the comparable fee as $XXXXfor an increase of $XXXX A change of circumstance for the increased fee was not included in the loan file. | Other - 05/05/22: Documentation provided to cure.<br>Other - 05/05/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 924500 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 769 | 80.00% | XXXXXX | Debt Service Coverage Ratio - Borrowers living rent free may be considered on a case by case basis. | Debt Service Coverage Ratio - Exception request granted by XXXX on XXXX and in file. |  | No | Client Accepted B | 2 |
| 769121 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Townhome | 0.00 | 790 | 70.00% | XXXXXX | Debt Service Coverage Ratio - Per guidelines for Short Term/Variable Rental properties, must provide XXXX months evidence of receipt via Service Provider payment receipt history. Documentation in file reflects that the property has been short term rental since XXXX which is less than XXXX months. | Debt Service Coverage Ratio - Averaged the deposits over XXXX months as the property was rebuilt and rezoned.  |  | No | Cleared Exception A | 1 |
| 850963 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 38.79 | 711 | 80.00% | XXXXXX | Credit - The CPA letter provided did not attest that they have filed the borrower's most recent business tax returns.  | Credit - 05/20/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 632568 | XXXXXX | Purchase | Non-Owner Occupied | Condo Attached | 0.00 | 698 | 75.00% | XXXXXX | Other - The Prepayment Penalty Addendum/Rider is not in the loan file.<br>Closing Disclosure - The final Settlement Statement is not in the loan file. File contains the Estimated Borrower's Statement. | Other - 05/13/2022: Lender verified a PPP addendum was not included as the PPP was incorporated into the docs. <br>Closing Disclosure - 05/13/2022: Document provided to clear condition.  |  | No | Cleared Exception A | 1 |
| 752802 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 781 | 75.00% | XXXXXX | Credit - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>1008 - Form 1008 document or loan approval is not included in the loan file for a manually underwritten loan. | Credit - 05/17/22: Documentation provided to cure.<br>1008 - 05/19/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 572264 | XXXXXX | Purchase | Owner Occupied | PUD | 31.81 | 707 | 80.00% | XXXXXX | Program Eligibilty - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | Program Eligibilty - 05/18/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 487355 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 44.79 | 767 | 80.00% | XXXXXX | Other - The Homeownership Counseling Disclosure form is missing from the file.<br>Program Eligibilty - The Credit Package is missing from the loan file. Unable to determine eligibility, additional exceptions may apply once credit package is reviewed.<br>Sales Contract - The sales contract is missing from the loan file.<br>1008 - Final 1008 document is not included in the loan file.<br>Appraisal - The appraisal report is missing from the loan file.<br>Appraisal - According to the underwriting guidelines, all appraisals require a third-party valuation by an XXXX approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Tek. In this case, the appraisal review product is missing from the loan file. | Other - 05/23/22: Documentation provided to cure.<br>Program Eligibilty - 05/18/22: Documentation provided to cure.<br>Sales Contract - 05/18/22: Documentation provided to cure.<br>1008 - 05/19/22: Documentation provided to cure.<br>Appraisal - 05/18/22: Documentation provided to cure.<br>Appraisal - 05/18/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 628069 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 31.66 | 744 | 56.71% | XXXXXX | Property Type - Eligibility - According to the guidelines, the maximum lot size is XXXX acres. The appraisal confirmed the lot size of XXXX acres.  | Property Type - Eligibility - Exception request in file- granted by XXXX. |  | No | Client Accepted B | 2 |
| 146338 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 34.64 | 660 | 75.00% | XXXXXX | Other - This loan failed the lender credits that cannot decrease test. The initial LE reflects a lender credit of $XXXX; however, the final CD reflects the lender credit as $XXXX with no change of circumstance included verifying the reason for the credit decrease.<br>1008 - The 1008 does not reflect the correct income (XXXX which results in an incorrect DTI. | Other - 06/13/22: Documentation provided to cure.<br>1008 - 6/10/22: same 1008 from original file was uploaded. Need 1008 to reflect total income of $XXXXand DTI of XXXX%.<br> 06/23/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 161901 | XXXXXX | Purchase | Owner Occupied | PUD | 26.12 | 754 | 80.00% | XXXXXX | Other - Per the Tracking Disclosure post-closing CD dated 02/25/22 is missing from the file. | Other - 03/03/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 715450 | XXXXXX | Refi - Cash Out | Owner Occupied | PUD | 21.52 | 742 | 78.69% | XXXXXX | Other - Per the Disclosure Tracking, missing post-closing CD dated 02/25/22. | Other - 3/7/2022: Post closing CD provided to cure. |  | No | Cleared Exception A | 1 |
| 226604 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 719 | 30.52% | XXXXXX | Hazard Insurance - Proof of hazard insurance with evidence of XXXX months rent loss coverage is missing from the loan file.<br>Rental Income - Current lease agreement for the subject property is missing from the loan file. DSCR calculation is pending.<br>Closing Disclosure - The completed final Closing Disclosure was not documented in the file. CD in file does not reflect P&I, escrow info, PPP, loan term.<br>1008 - The 1008 provided reflects the incorrect loan amount and appraised value (settlement statement in file reflects purchase price of $XXXX). | Hazard Insurance - 03/11/22: Documentation provided to cure.<br>Rental Income - 03/14/22: Documentation provided to cure.<br>Closing Disclosure - 3/11/22: Please provide signed Settlement Statement in lieu of CD. 3/15/22: Provide fully completed final CD reflecting P&I payment, PPP info, escrow info, loan term, product. 3/21/22: Per XXXX, "As a business purpose loan, this is OK given there is a recorded prepayment rider in file'.<br>1008 - 3/11/22: 1008 provided reflects incorrect LTV. Should be based off purchase price of $XXXX. 3/15/22: 1008 provided reflects incorrect LTV. Loan is a refi based off the purchase price, not appraised value. 03/18/22: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 910899 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 726 | 80.00% | XXXXXX | LTV - The approved LTV of XXXX% exceeds the guideline maximum of XXXX% with a DSCR less than 1.0. An exception approval is not in the file.<br>Credit - A third party fraud detection report is not in the loan file. | LTV - 04/07/22: An exception approval was provided for the guideline deviation.<br>Credit - 04/08/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 802372 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 734 | 40.00% | XXXXXX | Credit - A third party fraud detection report is not in the loan file.<br>Debt Service Coverage Ratio - Current lease agreement not in file. Documentation verifying the subject property is currently listed for rent is not in the loan file.  | Credit - 03/22/22: Documentation provided to cure.<br>Debt Service Coverage Ratio - 3/23/22: Lease provided reflects rent of $XXXX/mth which results in DSCR of .XXXX which does not qualify. <br> 03/25/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 660881 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0.00 | 736 | 70.00% | XXXXXX | LTV - A lease agreement is not in the loan file. 1008 reflects an exception was granted to use market rent up to XXXX% LTV as property is recent XXXX. The exception is not in the loan file.<br>Appraisal - A third party review from an approved vendor is missing from the loan file. | LTV - 4/7/22: Please provide exception on a XXXX approved exception form.<br> 04/12/2022: XXXX approved the loan with email correspondence<br>Appraisal - 4/1/22: subject is XXXX and CDA provided is for XXXX. 04/04/22: Documentation provided to cure. |  | No | Client Accepted D B | 2 |
| 614900 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 796 | 80.00% | XXXXXX | Final 1003 Discrepancies - Final 1003 shows citizenship as XXXX However, permanent resident alien card is in the file. Final 1003 has incorrect citizenship. | Final 1003 Discrepancies - 04/04/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 541984 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 0.00 | 760 | 65.00% | XXXXXX | Hazard Insurance - For master condo insurance policy, there is a lack of waiver of subrogation. Lack of Waiver of Subrogation is accepted by XXXX as an exception as of XXXX<br>Appraisal - Property Eligiblity - Investor concentration per guidelines is XXXX%. Investor concentration exception was granted for XXXX% by XXXX. Exception grantedXXXX | Hazard Insurance - Exception form is in the file.<br>Appraisal - Property Eligiblity - Exception form is in the file. |  | No | Client Accepted B | 2 |
| 363819 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 651 | 75.00% | XXXXXX | Program Eligibilty - According to the guidelines, borrowers living rent free may be considered on a case-by-case basis. <br>Appraisal - Third party valuation from an approved vendor is missing from the loan file. | Program Eligibilty - 4/12/22: Please provide an exception for the borrower living rent-free. 04/13/22: An exception approval was provided for the guideline deviation.<br>Appraisal - 04/11/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 255369 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 779 | 75.00% | XXXXXX | Program Eligibilty - Borrower's primary residence mortgage is in spouse's name but borrower is on title. Documentation verifying the primary residence mortgage history is not in the file.<br>Appraisal - Third party valuation from an approved vendor is missing from the loan file.<br>| Program Eligibilty - 4/14/22: Please provide primary residence mortgage history or rent-free letter from wife plus exception. 4/15/22: Need VOM for primary residence or rent-free letter from spouse. 4/18/22: Only mtg statement was provided. Need VOM verif of XXXX months mtg payment history for the mtg in wife's name or an approved exception. 4/22/22: XXXX elects to waive.<br>Appraisal - 04/14/22: Documentation provided to cure. |  | No | Client Accepted D B | 2 |
| 906038 | XXXXXX | Purchase | Non-Owner Occupied | Four-Unit Property | 0.00 | 790 | 75.00% | XXXXXX | Final 1003 Discrepancies - Final 1003 does not reflect the following: borrower's DOB, Marital Status, Sex.  | Final 1003 Discrepancies - 04/15/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 374837 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0.00 | 700 | 68.00% | XXXXXX | Program Eligibilty - Third party valuation from an approved vendor is missing from the loan file.<br>Credit - According to the guidelines, borrowers living rent free may be considered on a case-by-case basis.  | Program Eligibilty - 04/20/22: Documentation provided to cure.<br>Credit - An exception approval was provided for the guideline deviation. |  | No | Client Accepted B | 2 |
| 775202 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 721 | 75.00% | XXXXXX | Program Eligibilty - Per guidelines for cash out refinances the borrower must have owned the property for a minimum of XXXX months prior to the Note date. The borrower purchased the property on XXXX<br>LTV - According to the guidelines, cash-out Refinances seasoned for more than XXXX months but less than XXXX months on renovated properties, max LTV is XXXX% based on current appraisal. The loan was approved with XXXX% LTV. | Program Eligibilty - 04/21/22: An exception approval was provided for the guideline deviation.<br>LTV - 04/22/22: An exception approval was provided for the guideline deviation. |  | No | Client Accepted B | 2 |
| 891616 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0.00 | 661 | 70.00% | XXXXXX | Debt Service Coverage Ratio - Missing pages 2-3 of the Business Purpose and Occupancy Affidavit.<br>Appraisal - The loan file does not contain a desktop appraisal review as required. | Debt Service Coverage Ratio - 04/25/22: Documentation provided to cure.<br>Appraisal - 04/25/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 506108 | XXXXXX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0.00 | 665 | 80.00% | XXXXXX | Appraisal - The loan file is missing CDA appraisal review as required. | Appraisal - 04/26/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 975434 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 790 | 70.00% | XXXXXX | Appraisal - CDA in file with a value of $XXXX does not support appraised value of $XXXX. The CDA report in file does not correspond to the appraisal in file. | Appraisal - 05/10/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 288866 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 777 | 75.00% | XXXXXX | Program Eligibilty - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>| Program Eligibilty - 05/10/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 435352 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 750 | 50.00% | XXXXXX | Debt Service Coverage Ratio - A signed and notarized copy of the Business Purpose & Occupancy Affidavit is missing from the loan file. The Business Purpose Affidavit in the file was not notarized.<br>Note - The Note in the file does not reflect the specific monthly payment amount.<br>Appraisal - Missing Desk Review or other third-party valuation product from an approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Teck.  | Debt Service Coverage Ratio - 05/27/22: Documentation provided to cure.<br>Note - 5/27/22: XXXX made aware of the note and accepts the note as is. <br>Appraisal - 05/27/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 827275 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0.00 | 764 | 69.37% | XXXXXX | Appraisal - According to the guidelines, all appraisals require a third-party valuation by an XXXX approved vendor. In this case the file is missing a third party valuation. | Appraisal - 05/25/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 358614 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 11.30 | 688 | 31.58% | XXXXXX | Other - The 4/27/2022 CD is not signed to verify receipt date.<br>Other - This loan failed the TILA right of rescission test. The funding date is before the third business day following consummation. <br>VOM - The mortgage statements for the current construction loan reflect incomplete housing payment history. | Other - Dry Funding state. <br>Other - 06/16/2022: Document provided to clear condition. <br>VOM - 06/13/22: An exception approval was provided for the guideline deviation. |  | No | Client Accepted B | 2 |
| 751449 | XXXXXX | Purchase | Second Home | Single Family Detached | 48.72 | 752 | 80.00% | XXXXXX | Closing Disclosure - This loan failed the charges that cannot increase test. The initial LE reflects the discount points fee of $XXXX, however the final CD reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file.  | Closing Disclosure - 02/25/2022: The exception has been updated. A change of circumstance for the increase in discount points fee for the final CD is still missing from the loan file. 03/01/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 345641 | XXXXXX | Purchase | Owner Occupied | Single Family Attached | 47.64 | 794 | 75.00% | XXXXXX | Other - This loan failed the charges that cannot increase test. The initial LE reflects the process fee as $XXXX; however, the final CD reflects the comparable fee as $XXXX for an increase of $XXXX A change of circumstance for the increased fee was not included in the loan file. <br>Other - This loan failed the lender credits that cannot decrease test. The XXXX revised LE reflects a lender credit of $XXXX however, the final CD reflects the lender credit as $XXXX with no change of circumstance included verifying the reason for the credit decrease. <br>Total Debt Ratio - The audit calculated DTI of XXXX% exceeds the guideline maximum of XXXX%. The seller applied rental income from the departing address (XXXX) as investment income; however, the guidelines state that departing residence positive rental income cannot be used as qualifying income. Guidelines only allow the departure PITI be offset with projected net rental income. In addition, the seller excluded a consumer debt with payment of $XXXX/month but the final CD reflects that the balance of this debt was only partially paid down and more than XXXX payments are still remaining.  | Other - 02/24/22: Documentation provided to cure.<br>Other - 02/24/22: Documentation provided to cure.<br>Total Debt Ratio - 3/2/22: Audit DTI remains at XXXX%. Unsure of source of "combined other income" of $XXXX from 1008. Also, documentation verifying the exclusion of XXXX debt of $XXXXnot provided. 3/8/22: Credit report shows XXXX balance $XXXX8, CD shows amount paid off $XXXX Need documentation loan was paid off or paid down under 10 payments to exclude debt. Audit income: Arup base: $XXXX, bonus: $XXXX notes receivable: $XXXX = XXXX. 1008 reflects total income of $XXXX and that no income from self-employment was used. 3/14/22: Using income from s/e and excluding XXXX debt, updated DTI is XXXX% which exceeds guideline max of XXXX%. 3/21/22: unable to open pdf uploaded XXXX due to damaged file. Please upload again. 3/21/22: P&L and business bank statements provided show income has increased from XXXX decline. Used XXXX-month avg from XXXX business tax returns. |  | No | Cleared Exception A | 1 |
| 662046 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 807 | 80.00% | XXXXXX | Final 1003 Discrepancies - The borrower's primary residence address in section 1a on the final 1003 XXXX does not match the primary residence in section 3a (XXXX).<br>Appraisal - CDA appraisal review not in the loan file. | Final 1003 Discrepancies - 02/16/22: Documentation provided to cure.<br>Appraisal - 02/16/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 429485 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 769 | 79.99% | XXXXXX | Appraisal - A desk review or other third-party valuation product for the property is not in the loan file. | Appraisal - 02/25/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 425129 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 40.88 | 797 | 70.00% | XXXXXX | Other - Per the Tracking Disclosure, missing CD dated XXXX and post-closing CD dated XXXX<br>Other - Discounts Points increased to $XXXX without a COC. | Other - 03/16/22: Documentation provided to cure.<br>Other - 03/16/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 412281 | XXXXXX | Purchase | Owner Occupied | PUD | 35.86 | 764 | 90.00% | XXXXXX | Credit - A third party fraud detection report is not in the loan file. | Credit - 03/30/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 186117 | XXXXXX | Purchase | Owner Occupied | Condo Attached | 9.70 | 811 | 70.00% | XXXXXX | Other - This loan failed the charges that cannot increase test. The initial LE reflects the E doc fee as $XXXX; however, the final CD reflects the comparable fee as $XXXX for an increase of $50.XXXX. A change of circumstance for the increased fee was not included in the loan file.<br>Credit - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>VOM - According to the guidelines regarding a gift of equity, subject property mortgage rating from seller is required. Documentation verifying the seller's mortgage payment history is not in the file. | Other - 04/14/22: Documentation provided to cure.<br>Credit - 04/12/22: Documentation provided to cure.<br>VOM - 04/21/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 345439 | XXXXXX | Purchase | Owner Occupied | PUD | 34.68 | 726 | 85.00% | XXXXXX | Other - The Homeownership Counseling Disclosure document is missing from the loan file. <br>Other - This loan failed the TRID closing disclosure date and funding date validation test. The final CD receipt date is after the funding date. <br>Closing Disclosure - This loan failed the charges that cannot increase test. The initial LE reflects the appraisal fee as $XXXX and the reinspection fee as $XXXX; however, the final CD reflects the appraisal fee as $XXXX and the reinspection fee as $XXXX, for an increase of $XXXX. A change of circumstance for the increased fees was not included in the loan file.<br>Credit - The XXXX business bank statement reflects a deposit of $XXXX on XXXX from XXXX Documentation verifying the source of this deposit is not in the file. If the deposit is from a loan, will need documentation verifying it is paid off. | Other - 04/14/22: Documentation provided to cure.<br>Other - 04/14/22: Documentation provided to cure.<br>Closing Disclosure - 04/14/22: Documentation provided to cure.<br>Credit - 4/19/22: UW response not provided regarding the large deposit. Only the first page of the Bank Statement Worksheet was uploaded. 4/21/22: Deposit in question not income related as it was included in the income calculation. Need documentation verifying the source of this deposit. If the deposit is from a loan, will need documentation verifying it is paid off or if not paid off, verification of the monthly payment to include in DTI. 4/22/22: Per XXXX, loan payment does not need to be included in DTI already part of the expenses factor assumption. |  | No | Cleared Exception A | 1 |
| 656481 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 737 | 75.00% | XXXXXX | Appraisal - According to the underwriting guidelines, all appraisals require a third-party valuation by an XXXX approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Tek. In this case, the appraisal review product is missing from the loan file. | Appraisal - 04/21/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 156352 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 683 | 68.63% | XXXXXX | Program Eligibilty - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>Appraisal - A third party review from a XXXX approved vendor is missing from the loan file. | Program Eligibilty - 04/26/22: Documentation provided to cure.<br>Appraisal - 04/28/22: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 499137 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 691 | 60.73% | XXXXXX | Prepayment Notice - Gov - Note/CD do not reflect a Prepayment Penalty. Per guidelines, Hard Prepayment penalties are required on investment property transactions when permissible by state law.<br>Final 1003 Discrepancies - The final 1003 reflects that the borrowers own their primary residence; however, LOE indicates that the property is owned by their son.<br>Credit - According to the guidelines, borrowers living rent free may be considered on a case-by-case basis. An exception approval is not in the loan file.<br>Appraisal - Third-party valuation by an XXXX approved vendor is not in the loan file. | Prepayment Notice - Gov - 05/20/22: Documentation provided to cure.<br>Final 1003 Discrepancies - 5/3/22: pg 1 of both borrowers' 1003 reflects the primary residence is owned (pgs 229, 238). 05/04/22: Documentation provided to cure.<br>Credit - 05/24/22: An exception approval was provided for the guideline deviation.<br>Appraisal - 5/5/22: Even with CU < 2.5, CDA still required with cash-out > 60% LTV. 5/5/22: Need CDA with cash-out > 60% LTV.<br> 05/16/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 154862 | XXXXXX | Rate Term Refi | Owner Occupied | PUD | 39.76 | 731 | 78.62% | XXXXXX | Program Eligibilty - Grant deed signed at close changing the ownership/ vesting to XXXX. A personal guaranty from the borrower is missing from the loan file.<br>Program Eligibilty - Proof of ownership of XXXX is missing from the loan file. Per guidelines, all members of the entity must be a natural person. | Program Eligibilty - 05/20/22: Documentation provided to cure.<br>Program Eligibilty - 05/24/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 557388 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 36.09 | 790 | 62.47% | XXXXXX | Appraisal - The appraisal reflects that unpermitted additions were made to the subject property. | Appraisal - 05/23/22: An exception approval was provided for the guideline deviation. |  | No | Client Accepted B | 2 |
| 101628 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 34.89 | 669 | 80.00% | XXXXXX | AUS/Loan Approval - The loan was approved under the XXXX program which requires an AUS approval. | AUS/Loan Approval - 06/9/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 428893 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0.00 | 728 | 17.20% | XXXXXX | HUD-1 - Signed and dated final HUD-1/ Settlement Statements is missing from the loan file. Each HUD in file reflects "Estimated". | HUD-1 - 6/8/2022 Document provided to clear exception |  | No | Cleared Exception A | 1 |
| 766174 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 761 | 74.99% | XXXXXX | Note - Missing page 2 of the Note.<br>Deed of Trust / Mortgage - Missing page 1 of the Deed of Trust.<br>Note / Deed of Trust / Mortgage - Prepayment terms not complete on the Prepayment Addendum.<br>Appraisal - CDA appraisal review is not in the loan file. | Note - 2/9/22: Still missing pg 2 of note. 02/09/22: Documentation provided to cure.<br>Deed of Trust / Mortgage - 02/08/22: Documentation provided to cure.<br>Note / Deed of Trust / Mortgage - 02/09/22: Documentation provided to cure.<br>Appraisal - 02/08/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 784306 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 37.88 | 749 | 66.29% | XXXXXX | Credit - Missing page 3 of final CD. | Credit - 02/24/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 122166 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 25.33 | 725 | 80.00% | XXXXXX | Right of Rescission - Please provide the Right of Rescission document for this loan file. | Right of Rescission - 03/08/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 643474 | XXXXXX | Refi - Cash Out | Owner Occupied | PUD | 44.20 | 686 | 75.00% | XXXXXX | Credit - According to the guidelines, borrowers with a forbearance of deferral must have completed the program and made at least XXXX months payments. Documentation from the servicer of the completion is required. The XXXX statement indicated there was a forbearance balance of $XXXX. The loan file does not provide any forbearance agreement or verification of completion. | Credit - 4/5/22: Please provide documentation verifying at least two months mortgage payments made after forbearance plan completed. 04/08/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 423331 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 45.62 | 721 | 80.00% | XXXXXX | Credit - Please provide a housing payment for XXXX which included the Principle, Interest, Taxes, Insurance and HOA fees.<br>Income - Provide XXXX months of business bank statements must be provided to validate borrower utilizes separate bank account when using personal bank statements to verify qualifying income.<br>Program Eligibilty - The debt to income ratio of XXXX% exceeds the maximum amount of XXXX%.<br>VOM - According to the underwriting guidelines, XXXX months proof of payment via cancelled checks, bank debits or institutional VOR is required to verify a housing history. In this case the borrower is renting their primary residence to a private party and pays cash payments. | Credit - 03/10/22: Documentation provided to cure.<br>Income - 3/10/22: cleared as a XXXX% expense factor was applied.<br>Program Eligibilty - 03/14/2022: The 1008 does not include the borrowers residence at XXXX as indicated on the VOR in file (pg 40). Borrower indicated he is leasing this property however it does not appear to have been included in the DTI. 3/15/22: The $XXXXrent amount is reflected as a debt on the final 1003; however, this debt is not included in "All Other Monthly Payments" on 1008 or the DTI. 3/24/22: Per revised 1008, installment debt of $XXXX was excluded but this debt is paid from the personal bank account. Unable to exclude as a "business debt".<br> 3/30/2022: XXXX verified that debts may be excluded from personal accounts if account is treated as a business account.<br>VOM - An exception dated 02/08/2022 was included in the file allowing the guideline deviation.  |  | No | Client Accepted B | 2 |
| 465214 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 36.93 | 771 | 25.05% | XXXXXX | Other - This loan failed the TILA right of rescission test. The rescission period ended on XXXX which is the same date of the disbursement date of XXXX from the final CD.  | Other - 03/08/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 795675 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 727 | 75.00% | XXXXXX | Appraisal - A desk review or other third-party valuation product from an approved vendor is missing from the loan file. | Appraisal - 03/29/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 360027 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 642 | 70.00% | XXXXXX | Credit - Eligiblity - A complete third party fraud detection report is not in the loan file.<br>Program Eligibilty - According to guidelines, if seller has owned property < XXXX months, approval is considered on a case-by-case basis. Seller purchased property on XXXX<br>Credit - According to the guidelines, VOR may be documented via institutional VOR or proof of payment via cancelled checks or bank debits. The credit supplement reflects that the VOR was obtained via a verbal VOR from the landlord. Need XXXX months bank statements verifying $XXXX debits. | Credit - Eligiblity - 04/12/22: Documentation provided to cure.<br>Program Eligibilty - 04/26/22: An exception approval was provided for the guideline deviation.<br>Credit - 4/12/22: Need verification of XXXX months payments via cancelled checks or bank debits. 04/21/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 533086 | XXXXXX | Refi - Cash Out | Owner Occupied | PUD | 36.03 | 658 | 70.00% | XXXXXX | Loan Estimate - The initial LE dated within XXXX days of the initial application date is missing from the loan file. <br>Closing Disclosure - The initial CD signed at least XXXX days prior to closing is missing from the loan file.<br>Closing Disclosure - Partial Payments section information is not disclosed on the final CD.<br>Closing Disclosure - Liability after foreclosure section is not disclosed on the final CD.<br>Title - Property tax certificate is missing from the loan file.<br>Title Commitment - A copy of the full Title Commitment is missing from the loan file.<br>Deed of Trust / Mortgage - A complete copy of the Deed of Trust is missing from the loan file. | Loan Estimate - 04/26/22: Documentation provided to cure.<br>Closing Disclosure - 04/26/22: Documentation provided to cure.<br>Closing Disclosure - 04/26/22: Documentation provided to cure.<br>Closing Disclosure - 04/26/22: Documentation provided to cure.<br>Title - 04/26/22: Documentation provided to cure.<br>Title Commitment - 04/26/22: Documentation provided to cure.<br>Deed of Trust / Mortgage - 04/26/22: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 383632 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 784 | 80.00% | XXXXXX | Program Eligibilty - Rental History supporting $XXXX from XXXXwas provided however, bank statement validating borrower is the owner of that account was missing from the loan file.<br>Closing Disclosure - The seller's Closing Disclosure is missing from the loan file. | Program Eligibilty - 04/21/22: Documentation provided to cure.<br>Closing Disclosure - 04/21/22: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 521748 | XXXXXX | Purchase | Non-Owner Occupied | Condo Attached | 0.00 | 707 | 80.00% | XXXXXX | Program Eligibilty - Per guidelines, asset documentation requires most recent XXXX months statements for purchase. Only XXXX month bank statements for both XXXX and XXXX accounts are in loan file. | Program Eligibilty - 04/25/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 543495 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 37.35 | 645 | 30.12% | XXXXXX | Borrower ID - Documentation verifying the borrower's identity is not in the loan file. | Borrower ID - 04/29/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 272134 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 35.63 | 785 | 43.48% | XXXXXX | Credit - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.  | Credit - 05/05/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 459636 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 0.00 | 705 | 75.00% | XXXXXX | Final 1003 - The full initial 1003 is missing from the loan file.<br>Program Eligibilty - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | Final 1003 - 05/09/22: Documentation provided to cure.<br>Program Eligibilty - 05/09/22: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 186294 | XXXXXX | Refi - Cash Out | Owner Occupied | PUD | 8.86 | 739 | 45.45% | XXXXXX | Other - This loan failed the TILA right of rescission test. The rescission period ended on XXXX which is the same date as the disbursement date from the final CD. | Other - 05/16/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 584710 | XXXXXX | Purchase | Owner Occupied | Condo High-Rise | 37.97 | 769 | 40.51% | XXXXXX | Credit - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | Credit - 05/19/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 628342 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 764 | 65.00% | XXXXXX | Appraisal - A third party review from a XXXX approved vendor is missing from the loan file. | Appraisal - 05/26/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 747229 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 45.96 | 707 | 75.00% | XXXXXX | Other - This loan failed the charges that cannot increase test. The initial LE reflects the appraisal fee as $XXXX, however the final CD reflects the comparable fee as $XXXXfor an increase of XXXX A change of circumstance for the increased fee was not included in the loan file. | Other - 06/2/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 907137 | XXXXXX | Rate Term Refi | Non-Owner Occupied | Condo Attached | 0.00 | 740 | 62.67% | XXXXXX | Note - Terms of the prepayment penalty not completed on the PPP Rider. | Note - 02/10/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 847072 | XXXXXX | Rate Term Refi | Non-Owner Occupied | PUD | 0.00 | 769 | 70.00% | XXXXXX | Closing Disclosure - Final Closing Disclosure/ Settlement Statement is missing from the loan file.<br>Appraisal - Incorrect zip code of XXXX is listed on loan documents including Note, Deed of Trust and final 1003. Per appraisal and USPS, correct zip code is XXXX. | Closing Disclosure - 02/09/22: Documentation provided to cure.<br>Appraisal - 02/17/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 883040 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 9.63 | 732 | 70.00% | XXXXXX | Other - According to the guidelines, XXXX months of seasoning is required for a cash-out transaction. The borrower purchased the property on XXXX and the application date was XXXX. The exception form in the file does not indicate that the exception was granted.<br>Program Eligibilty - The approved LTV of XXXX% exceeds the LTV maximum of XXXX% for Asset Utilization.<br>Program Eligibilty - The cash-out proceeds of $XXXX exceeds the guideline maximum of $XXXX with LTV XXXX% - XXXX%. The exception form in the file does not indicate that the exception was granted. | Other - 2/24/22: An exception approval was provided for the guideline deviation.<br>Program Eligibilty - 2/24/22: Exception provided does not address the XXXX% LTV deviation from guidelines. 03/02/22: An exception approval was provided for the guideline deviation.<br>Program Eligibilty - 2/24/22: An exception approval was provided for the guideline deviation. |  | No | Client Accepted B | 2 |
| 433601 | XXXXXX | Rate Term Refi | Owner Occupied | Single Family Detached | 49.76 | 785 | 52.95% | XXXXXX | Credit - A third party fraud detection report is not in the loan file. | Credit - 03/18/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 485452 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 786 | 75.00% | XXXXXX | Closing Disclosure - The complete final Settlement Statement was not documented in the file.  | Closing Disclosure - 04/01/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 822815 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0.00 | 736 | 70.00% | XXXXXX | Debt Service Coverage Ratio - A current lease agreement is not in the loan file. 1008 reflects an exception was granted to use market rent up to XXXX% LTV as property is recent XXXX. The exception is not in the loan file.<br>Appraisal - The third party review from an approved vendor is missing from the loan file. | Debt Service Coverage Ratio - 4/7/22: Please provide exception on a XXXX approved exception form.<br> 04/12/2022: XXXX approved the loan with email correspondence<br>Appraisal - 4/1/22: subject is XXXX and CDA provided is for XXXX. 04/04/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 815287 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 749 | 80.00% | XXXXXX | 1008 - The final 1008 is missing from the loan file.  | 1008 - 04/08/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 451416 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 6.69 | 779 | 64.94% | XXXXXX | Other - This loan failed the charges that cannot increase test. The initial LE reflects the discount points fee as $XXXX; however, the final CD reflects the comparable fee as $XXXX or an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file. <br>Other - This loan failed the lender credits that cannot decrease test. The initial LE reflects a lender credit of $XXXX; however, the final CD reflects the lender credit as $XXXX with no change of circumstance included verifying the reason for the credit decrease.<br>Program Eligibilty - Payment shock not to exceed XXXX% for a FTHB. | Other - 04/13/2022: Document provided to clear condition. <br>Other - 04/13/2022: Document provided to clear condition. <br>Program Eligibilty - Borrower owner prior residence until XXXX, exception requested granted by XXXX and in file. |  | No | Client Accepted B | 2 |
| 759153 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 741 | 73.10% | XXXXXX | Program Eligibilty - Per guidelines, borrowers living rent free may be considered on a case by case basis. Exception for living rent free is missing from the loan file.<br>Appraisal - A third party review from an approved vendor is missing from the loan file. | Program Eligibilty - 04/20/22: An exception approval was provided for the guideline deviation.<br>Appraisal - 04/13/22: Documentation provided to cure. |  | No | Client Accepted D B | 2 |
| 927297 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 750 | 73.00% | XXXXXX | Program Eligibilty - According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file.<br>| Program Eligibilty - 04/25/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 704482 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 29.73 | 781 | 80.00% | XXXXXX | Borrower ID - A third party fraud detection report is not in the loan file.<br>Appraisal - According to the underwriting guidelines, all appraisals require a third-party valuation by an XXXX approved vendor: Servicelink, Summit Valuations, Clear Capital, or Pro Tek. In this case, the appraisal review product is missing from the loan file.  | Borrower ID - 04/19/22: Documentation provided to cure.<br>Appraisal - 04/19/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 533849 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 687 | 68.85% | XXXXXX | Appraisal - A third party review from a XXXX approved vendor is missing from the loan file. | Appraisal - 04/20/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 996963 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 675 | 70.00% | XXXXXX | Credit - The credit package is missing from the loan file. | Credit - 05/03/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 530732 | XXXXXX | Purchase | Owner Occupied | PUD | 31.42 | 622 | 80.00% | XXXXXX | Other - This loan failed the charges that cannot increase test. The initial LE reflects the appraisal fee as $XXXX, however the final CD reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file. <br>Other - This loan failed the lender credits that cannot decrease test. The XXXX LE reflects a lender credit of $XXXX, however the final CD reflects the lender credit as $XXXX with no change of circumstance included verifying the reason for the credit decrease.<br>Closing Disclosure - The Seller Closing Disclosure is not included in the loan file. | Other - 04/27/22: Documentation provided to cure.<br>Other - 04/27/22: Documentation provided to cure.<br>Closing Disclosure - 04/27/22: Documentation provided to cure. |  | No | Cleared Exception D A | 1 |
| 895425 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0.00 | 691 | 15.22% | XXXXXX | Final 1003 Discrepancies - The final 1003 reflects that the borrowers own their primary residence; however, LOE indicates that the property is owned by their son.<br>Eligibilty - According to the guidelines, borrowers living rent free may be considered on a case-by-case basis. An exception approval is not in the loan file.<br>Rental Income - Documentation verifying one month proof of rent received for each unit of subject property is not in file. Rent reflected on appraisal is less than the leases in file.<br>1008 - Final 1008 is not included in the loan file for a manually underwritten loan. | Final 1003 Discrepancies - 05/05/22: Documentation provided to cure.<br>Eligibilty - 05/06/22: An exception approval was provided for the guideline deviation.<br>Rental Income - 5/5/22: $XXXX is the gross market rent from appraisal. Gross actual rents shows $XXXX. Need proof of one month rent for each unit. 05/16/22: An exception approval was provided for the guideline deviation.<br>1008 - 05/05/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 259786 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0.00 | 764 | 66.35% | XXXXXX | Program Eligibilty - Exception required for mortgage lates in the last XXXX months on the subject property. Borrower inherited this property XXXX which has a mortgage lien originated XXXX for $XXXX in the name of XXXX. Payment history show payments made timely through XXXX, at which time the loan matured, and payments were no longer accepted. Payment history shows payment received XXXX and returned on XXXX<br>Appraised Value - A third party review from a XXXX approved vendor is missing from the loan file. | Program Eligibilty - Exception form is in the file.<br>Appraised Value - 05/31/22: Documentation provided to cure. |  | No | Client Accepted B | 2 |
| 416268 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | PUD | 0.00 | 761 | 74.99% | XXXXXX | Other - The Prepayment Addendum does not reflect the terms of the prepayment penalty | Other - 02/09/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 117271 | XXXXXX | Purchase | Owner Occupied | PUD | 39.89 | 775 | 89.90% | XXXXXX | Asset Verification - According to the underwriting guidelines, LTV . XXXX% requires XXXX months of PITIA. In this case, the borrower provided only XXXX months reserves. Provide sufficient reserves of XXXX months PITIA. | Asset Verification - 2/17/22: ITIA of $XXXX x XXXX = $XXXX (required reserves) is more than verified reserves of $XXXXper lender calculation. 2/18/22: Client agrees to waive the reserves shortage. |  | No | Client Accepted B | 2 |
| 212843 | XXXXXX | Refi - Cash Out | Owner Occupied | PUD | 40.80 | 711 | 72.41% | XXXXXX | Closing Disclosure - This loan failed the TILA right of rescission test. The XXXX funding date is before the third business day following consummation. This loan failed the charges that cannot increase test. The initial LE reflects the credit report fee as $XXXX and the Verification fee as $XXXX, however the final CD reflects the credit report fee as $XXXX and the verification fee as $XXXX, for an increase of $XXXX. A change of cicumstance for the increased fees was not included in the loan file.<br>Eligibilty - The list of Homeownership Counseling Organizations was missing from the loan file. | Closing Disclosure - 03/03/22: Documentation provided to cure.<br>Eligibilty - 02/25/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 106481 | XXXXXX | Refi - Cash Out | Owner Occupied | PUD | 42.38 | 746 | 67.07% | XXXXXX | Employment-Self Employment - Validation of a minimum of XXXX years existence of the business is required. Borrower has been in the business less than XXXX years. Started business in XXXX and file does not contain an exception form. | Employment-Self Employment - 02/24/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| 564882 | XXXXXX | Purchase | Owner Occupied | PUD | 42.28 | 792 | 69.95% | XXXXXX | Closing Disclosure - The Seller's Closing Disclosure is not included in the loan file. | Closing Disclosure - 05/05/22: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| **136** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857469 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 42.88 | 741 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 365056 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 20.79 | 735 | 85.00% | XXXXXX |  |  |  |  | A |  |
| 385730 | XXXXXX | Refi - Cash Out | Owner Occupied | PUD | 48.50 | 677 | 68.95% | XXXXXX |  |  |  |  | A |  |
| 500479 | XXXXXX | Purchase | Owner Occupied | Two-Unit Property | 10.20 | 750 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 342317 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 722 | 31.03% | XXXXXX |  |  |  |  | A |  |
| 590841 | XXXXXX | Rate Term Refi | Owner Occupied | Single Family Detached | 45.50 | 797 | 56.46% | XXXXXX |  |  |  |  | A |  |
| 419383 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 729 | 70.00% | XXXXXX |  |  |  |  | A |  |
| 478135 | XXXXXX | Purchase | Owner Occupied | PUD | 7.39 | 777 | 90.00% | XXXXXX |  |  |  |  | A |  |
| 818871 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 729 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 398898 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 2.08 | 749 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 550008 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 42.84 | 789 | 90.00% | XXXXXX |  |  |  |  | A |  |
| 316737 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 723 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 940059 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0.00 | 821 | 59.90% | XXXXXX |  |  |  |  | A |  |
| 700941 | XXXXXX | Purchase | Owner Occupied | Condo Attached | 15.88 | 660 | 85.00% | XXXXXX |  |  |  |  | A |  |
| 374887 | XXXXXX | Refi - Cash Out | Owner Occupied | PUD | 48.27 | 720 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 714989 | XXXXXX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0.00 | 730 | 74.51% | XXXXXX |  |  |  |  | A |  |
| 348864 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 771 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 913205 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 788 | 46.51% | XXXXXX |  |  |  |  | A |  |
| 502133 | XXXXXX | Purchase | Second Home | Condo Attached | 31.94 | 767 | 70.00% | XXXXXX |  |  |  |  | A |  |
| 795600 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 0.00 | 684 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 515328 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 49.96 | 682 | 77.50% | XXXXXX |  |  |  |  | A |  |
| 330738 | XXXXXX | Purchase | Owner Occupied | PUD | 16.89 | 725 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 672063 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0.00 | 823 | 38.95% | XXXXXX |  |  |  |  | A |  |
| 745078 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 761 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 331377 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 771 | 69.00% | XXXXXX |  |  |  |  | A |  |
| 701089 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 788 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 611680 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 721 | 85.00% | XXXXXX |  |  |  |  | A |  |
| 239501 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 30.78 | 692 | 85.00% | XXXXXX |  |  |  |  | A |  |
| 607708 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 33.30 | 755 | 90.00% | XXXXXX |  |  |  |  | A |  |
| 700638 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 32.79 | 727 | 90.00% | XXXXXX |  |  |  |  | A |  |
| 432283 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 699 | 70.00% | XXXXXX |  |  |  |  | A |  |
| 181785 | XXXXXX | Purchase | Non-Owner Occupied | Condo High-Rise | 0.00 | 726 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 273837 | XXXXXX | Purchase | Owner Occupied | Two-Unit Property | 31.16 | 802 | 76.64% | XXXXXX |  |  |  |  | A |  |
| 588800 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 32.23 | 745 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 748326 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 785 | 85.00% | XXXXXX |  |  |  |  | A |  |
| 149744 | XXXXXX | Purchase | Owner Occupied | PUD | 34.84 | 706 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 920921 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 699 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 944996 | XXXXXX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0.00 | 776 | 41.40% | XXXXXX |  |  |  |  | A |  |
| 187013 | XXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 13.77 | 737 | 60.00% | XXXXXX |  |  |  |  | A |  |
| 833394 | XXXXXX | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | 0.00 | 722 | 50.68% | XXXXXX |  |  |  |  | A |  |
| 648454 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 622 | 65.00% | XXXXXX |  |  |  |  | A |  |
| 336245 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 784 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 928492 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 785 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 335917 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 761 | 64.57% | XXXXXX |  |  |  |  | A |  |
| 952777 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 717 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 762631 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 721 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 340079 | XXXXXX | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | 0.00 | 696 | 75.68% | XXXXXX |  |  |  |  | A |  |
| 994809 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 6.32 | 704 | 90.00% | XXXXXX |  |  |  |  | A |  |
| 620339 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 788 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 614730 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 780 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 984912 | XXXXXX | Purchase | Owner Occupied | PUD | 15.50 | 807 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 953930 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 26.78 | 776 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 963303 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0.00 | 751 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 937231 | XXXXXX | Purchase | Non-Owner Occupied | Condo Attached | 35.66 | 813 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 929902 | XXXXXX | Refi - Cash Out | Owner Occupied | PUD | 46.23 | 704 | 78.52% | XXXXXX |  |  |  |  | A |  |
| 361105 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Attached | 0.00 | 723 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 944542 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 741 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 902916 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 28.67 | 804 | 70.00% | XXXXXX |  |  |  |  | A |  |
| 563970 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 698 | 79.90% | XXXXXX |  |  |  |  | A |  |
| 355093 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 765 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 284065 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 778 | 58.88% | XXXXXX |  |  |  |  | A |  |
| 225676 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Residential | 0.00 | 778 | 59.45% | XXXXXX |  |  |  |  | A |  |
| 967361 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 20.40 | 796 | 72.04% | XXXXXX |  |  |  |  | A |  |
| 627886 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0.00 | 630 | 65.00% | XXXXXX |  |  |  |  | A |  |
| 727015 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Residential | 0.00 | 663 | 58.90% | XXXXXX |  |  |  |  | A |  |
| 601310 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 739 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 827839 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 768 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 830855 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 741 | 74.00% | XXXXXX |  |  |  |  | A |  |
| 746093 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 673 | 60.00% | XXXXXX |  |  |  |  | A |  |
| 116146 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 692 | 70.00% | XXXXXX |  |  |  |  | A |  |
| 253414 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 785 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 949532 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 646 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 147506 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0.00 | 693 | 65.00% | XXXXXX |  |  |  |  | A |  |
| 528892 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 39.60 | 767 | 85.00% | XXXXXX |  |  |  |  | A |  |
| 396576 | XXXXXX | Purchase | Non-Owner Occupied | Condo Attached | 0.00 | 746 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 542514 | XXXXXX | Purchase | Owner Occupied | PUD | 26.03 | 681 | 90.00% | XXXXXX |  |  |  |  | A |  |
| 727235 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 10.97 | 705 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 455672 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 42.44 | 658 | 67.74% | XXXXXX |  |  |  |  | A |  |
| 603075 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 32.81 | 671 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 146920 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 765 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 816515 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 28.66 | 794 | 90.00% | XXXXXX |  |  |  |  | A |  |
| 794650 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 30.36 | 701 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 400409 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 48.25 | 734 | 56.60% | XXXXXX |  |  |  |  | A |  |
| 332253 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0.00 | 764 | 70.00% | XXXXXX |  |  |  |  | A |  |
| 568329 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0.00 | 728 | 66.50% | XXXXXX |  |  |  |  | A |  |
| 330243 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 715 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 303268 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 759 | 52.50% | XXXXXX |  |  |  |  | A |  |
| 276094 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 42.66 | 696 | 90.00% | XXXXXX |  |  |  |  | A |  |
| 785493 | XXXXXX | Refi - Cash Out | Second Home | Single Family Detached | 33.16 | 789 | 32.13% | XXXXXX |  |  |  |  | A |  |
| 952454 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 39.05 | 706 | 90.00% | XXXXXX |  |  |  |  | A |  |
| 367514 | XXXXXX | Purchase | Non-Owner Occupied | Condo Attached | 16.06 | 789 | 70.00% | XXXXXX |  |  |  |  | A |  |
| 324302 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 0.00 | 723 | 70.00% | XXXXXX |  |  |  |  | A |  |
| 991262 | XXXXXX | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 0.00 | 730 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 808803 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 28.36 | 731 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 266743 | XXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0.00 | 775 | 75.00% | XXXXXX |  |  |  |  | A |  |
| 879543 | XXXXXX | Refi - Cash Out | Owner Occupied | Condo Attached | 40.71 | 751 | 78.62% | XXXXXX |  |  |  |  | A |  |
| 496884 | XXXXXX | Purchase | Non-Owner Occupied | PUD | 0.00 | 741 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 724509 | XXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0.00 | 745 | 80.00% | XXXXXX |  |  |  |  | A |  |
| 907635 | XXXXXX | Purchase | Owner Occupied | Single Family Detached | 24.14 | 741 | 80.00% | XXXXXX |  |  |  |  | A |  |
| **99** | XXXXXX |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |

---

## Exhibit 99.5

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan ID** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXX | 253414 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 827275 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 847072 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 557263 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 714989 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 226604 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 748326 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 134160 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 614900 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 340079 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 363819 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 405094 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 361105 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 506108 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 827839 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 303268 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXX | 895425 | 16 | 15.2174 | CLTV | -0.7826 | Yes |
| XXXXXXXXX | 827275 | 70 | 69.3694 | CLTV | -0.6306 | Yes |
| XXXXXXXXX | 533849 | 0.6885 | 68.8525 | CLTV | 68.164 | Yes |
| XXXXXXXXX | 920921 | 0.8 | 80 | CLTV | 79.2 | Yes |
| XXXXXXXXX | 950894 | 0.8 | 80 | CLTV | 79.2 | Yes |
| XXXXXXXXX | 340079 | 0.7568 | 75.677 | CLTV | 74.9202 | Yes |
| XXXXXXXXX | 614730 | 0.75 | 75 | CLTV | 74.25 | Yes |
| XXXXXXXXX | 714989 | 79.177 | 74.5143 | CLTV | -4.6627 | Yes |
| XXXXXXXXX | 226604 | 27 | 30.5164 | CLTV | 3.5164 | Yes |
| XXXXXXXXX | 331799 | 57 | 57.5043 | CLTV | 0.5043 | Yes |
| XXXXXXXXX | 907635 | 45.641 | 24.14 | DTI | -21.501 | Yes |
| XXXXXXXXX | 949532 | 672 | 646 | FICO | -26 | Yes |
| XXXXXXXXX | 456652 | 795 | 801 | FICO | 6 | Yes |
| XXXXXXXXX | 328888 | 649 | 687 | FICO | 38 | Yes |
| XXXXXXXXX | 895425 | 680 | 691 | FICO | 11 | Yes |
| XXXXXXXXX | 499137 | 680 | 691 | FICO | 11 | Yes |
| XXXXXXXXX | 455672 | 630 | 658 | FICO | 28 | Yes |
| XXXXXXXXX | 146920 | 783 | 765 | FICO | -18 | Yes |
| XXXXXXXXX | 487355 | 735 | 767 | FICO | 32 | Yes |
| XXXXXXXXX | 928492 | 791 | 785 | FICO | -6 | Yes |
| XXXXXXXXX | 438630 | 727 | 733 | FICO | 6 | Yes |
| XXXXXXXXX | 929902 | 605 | 704 | FICO | 99 | Yes |
| XXXXXXXXX | 704482 | 759 | 781 | FICO | 22 | Yes |
| XXXXXXXXX | 963303 | 755 | 751 | FICO | -4 | Yes |
| XXXXXXXXX | 533849 | 697 | 687 | FICO | -10 | Yes |
| XXXXXXXXX | 950894 | 796 | 806 | FICO | 10 | Yes |
| XXXXXXXXX | 592033 | 758 | 806 | FICO | 48 | Yes |
| XXXXXXXXX | 614730 | 779 | 780 | FICO | 1 | Yes |
| XXXXXXXXX | 272134 | 751 | 785 | FICO | 34 | Yes |
| XXXXXXXXX | 845288 | 736 | 684 | FICO | -52 | Yes |
| XXXXXXXXX | 963568 | 767 | 789 | FICO | 22 | Yes |
| XXXXXXXXX | 331799 | 720 | 739 | FICO | 19 | Yes |
| XXXXXXXXX | 751449 | 693 | 752 | FICO | 59 | Yes |
| XXXXXXXXX | 818871 | 747 | 729 | FICO | -18 | Yes |
| XXXXXXXXX | 345641 | 804 | 794 | FICO | -10 | Yes |
| XXXXXXXXX | 795600 | 736 | 684 | FICO | -52 | Yes |
| XXXXXXXXX | 643474 | 680 | 686 | FICO | 6 | Yes |
| XXXXXXXXX | 802372 | 743 | 734 | FICO | -9 | Yes |
| XXXXXXXXX | 201001 | 783 | 765 | FICO | -18 | Yes |
| XXXXXXXXX | 416816 | 746 | 710 | FICO | -36 | Yes |
| XXXXXXXXX | 833394 | 743 | 722 | FICO | -21 | Yes |
| XXXXXXXXX | 336245 | 788 | 784 | FICO | -4 | Yes |
| XXXXXXXXX | 416268 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 429485 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 745078 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 748326 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 920921 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 795675 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 950894 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 660881 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 751627 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 614900 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 340079 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 614730 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 255369 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 405094 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 533849 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 775202 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 506108 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 225676 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 827839 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXX | 895425 | 16 | 15.2174 | LTV | -0.7826 | Yes |
| XXXXXXXXX | 827275 | 70 | 69.3694 | LTV | -0.6306 | Yes |
| XXXXXXXXX | 541984 | 57 | 65 | LTV | 8 | Yes |
| XXXXXXXXX | 533849 | 0.6885 | 68.8525 | LTV | 68.164 | Yes |
| XXXXXXXXX | 920921 | 0.8 | 80 | LTV | 79.2 | Yes |
| XXXXXXXXX | 950894 | 0.8 | 80 | LTV | 79.2 | Yes |
| XXXXXXXXX | 340079 | 0.7568 | 75.677 | LTV | 74.9202 | Yes |
| XXXXXXXXX | 614730 | 0.75 | 75 | LTV | 74.25 | Yes |
| XXXXXXXXX | 714989 | 79.177 | 74.5143 | LTV | -4.6627 | Yes |
| XXXXXXXXX | 226604 | 27 | 30.5164 | LTV | 3.5164 | Yes |
| XXXXXXXXX | 331799 | 57 | 57.5043 | LTV | 0.5043 | Yes |
| XXXXXXXXX | 907635 | XXXXXXX | XXXXXXX | Note Type | XXXXXXX | Yes |
| XXXXXXXXX | 662046 | XXXXXXX | XXXXXXX | Property City | XXXXXXX | Yes |
| XXXXXXXXX | 139727 | XXXXXXX | XXXXXXX | Property State | XXXXXXX | Yes |
| XXXXXXXXX | 847072 | XXXXXXX | XXXXXXX | Property Zip | XXXXXXX | Yes |
| XXXXXXXXX | 920921 | XXXXXXX | XXXXXXX | Property Zip | XXXXXXX | Yes |
| XXXXXXXXX | 328888 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 895425 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 499137 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 628069 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 358614 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 766174 | Purchase | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 354705 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 398898 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 903397 | Refi - Cash Out | Rate Term Refi | Purpose | Yes | Yes |
| XXXXXXXXX | 714989 | Refi - Cash Out | Rate Term Refi | Purpose | Yes | Yes |
| XXXXXXXXX | 226604 | Refi - Cash Out | Purchase | Purpose | Yes | Yes |
| XXXXXXXXX | 331799 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 703967 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 517477 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 795675 | Refi - Cash Out Limited | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 944996 | Refi - Cash Out Limited | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 485452 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 704825 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 541984 | Rate Term Refi | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 340079 | Refi - Cash Out | Rate Term Refi | Purpose | Yes | Yes |
| XXXXXXXXX | 759153 | Refi - Cash Out Limited | Refi - Cash Out | Purpose | Yes | Yes |
| XXXXXXXXX | 506108 | Refi - Cash Out Limited | Rate Term Refi | Purpose | Yes | Yes |

---

## Exhibit 99.5

**ValuationReport**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Value Source Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| XXXXXXXXX | 398898 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 907137 | XX/XX/XXXX | XXXXXXXXX | 62.67% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 700941 | XX/XX/XXXX | XXXXXXXXX | 85.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.2 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 714989 | XX/XX/XXXX | XXXXXXXXX | 74.51% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 879543 | XX/XX/XXXX | XXXXXXXXX | 78.62% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.4 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 127318 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 106481 | XX/XX/XXXX | XXXXXXXXX | 67.07% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 991262 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 883040 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 354705 | XX/XX/XXXX | XXXXXXXXX | 41.95% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 766174 | XX/XX/XXXX | XXXXXXXXX | 74.99% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 416268 | XX/XX/XXXX | XXXXXXXXX | 74.99% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 557263 | XX/XX/XXXX | XXXXXXXXX | 74.99% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.8 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 139727 | XX/XX/XXXX | XXXXXXXXX | 63.48% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 364143 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 342317 | XX/XX/XXXX | XXXXXXXXX | 31.03% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 847072 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 662046 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.3 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 913205 | XX/XX/XXXX | XXXXXXXXX | 46.51% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 550008 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 903397 | XX/XX/XXXX | XXXXXXXXX | 38.89% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 544509 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 425129 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.9 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 122166 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 348864 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.2 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 134160 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.5 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 672063 | XX/XX/XXXX | XXXXXXXXX | 38.95% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 795600 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 661683 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 715450 | XX/XX/XXXX | XXXXXXXXX | 78.69% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 426389 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 857469 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 502133 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.3 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 940059 | XX/XX/XXXX | XXXXXXXXX | 59.90% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 668710 | XX/XX/XXXX | XXXXXXXXX | 65.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 374887 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 465214 | XX/XX/XXXX | XXXXXXXXX | 25.05% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 784306 | XX/XX/XXXX | XXXXXXXXX | 66.29% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 845288 | XX/XX/XXXX | XXXXXXXXX | 60.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 330738 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 331799 | XX/XX/XXXX | XXXXXXXXX | 57.50% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 488802 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX | XXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXXXX | 316737 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 745078 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 818871 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 187013 | XX/XX/XXXX | XXXXXXXXX | 60.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.4 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 419383 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 433601 | XX/XX/XXXX | XXXXXXXXX | 52.95% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 423331 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 4.3 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 478135 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 345641 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.9 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 367514 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 701089 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 515328 | XX/XX/XXXX | XXXXXXXXX | 77.50% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXXXX | 149744 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.4 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 611680 | XX/XX/XXXX | XXXXXXXXX | 85.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 226604 | XX/XX/XXXX | XXXXXXXXX | 30.52% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 543495 | XX/XX/XXXX | XXXXXXXXX | 30.12% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.4 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 429485 | XX/XX/XXXX | XXXXXXXXX | 79.99% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 451416 | XX/XX/XXXX | XXXXXXXXX | 64.94% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 485452 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 4 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 808803 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 239501 | XX/XX/XXXX | XXXXXXXXX | 85.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 345095 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 533086 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.3 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 751627 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 303744 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 331377 | XX/XX/XXXX | XXXXXXXXX | 69.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 795675 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 660881 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 643474 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.5 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 822815 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 381211 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.9 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 648454 | XX/XX/XXXX | XXXXXXXXX | 65.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 833394 | XX/XX/XXXX | XXXXXXXXX | 50.68% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 506108 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 656481 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 607708 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 161901 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 361105 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.8 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 186117 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 273837 | XX/XX/XXXX | XXXXXXXXX | 76.64% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 944996 | XX/XX/XXXX | XXXXXXXXX | 41.40% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 891616 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 703967 | XX/XX/XXXX | XXXXXXXXX | 52.63% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 848928 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 294594 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 181785 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 363292 | XX/XX/XXXX | XXXXXXXXX | 57.32% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX | XXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 769121 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 910899 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 459636 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 963568 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 937231 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.2 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 266743 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.8 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 704825 | XX/XX/XXXX | XXXXXXXXX | 73.77% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 620339 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 469191 | XX/XX/XXXX | XXXXXXXXX | 65.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 963303 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 340079 | XX/XX/XXXX | XXXXXXXXX | 75.68% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 952777 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 305081 | XX/XX/XXXX | XXXXXXXXX | 79.94% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.3 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 533849 | XX/XX/XXXX | XXXXXXXXX | 68.85% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 517477 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 156352 | XX/XX/XXXX | XXXXXXXXX | 68.63% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 363819 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 984912 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 759153 | XX/XX/XXXX | XXXXXXXXX | 73.10% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.5 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 700638 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 541984 | XX/XX/XXXX | XXXXXXXXX | 65.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 438630 | XX/XX/XXXX | XXXXXXXXX | 86.53% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 950894 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 592033 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 588800 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 416816 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 614730 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.4 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 928492 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 614900 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 4.5 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 276070 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.8 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 862212 | XX/XX/XXXX | XXXXXXXXX | 47.88% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 948542 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 762631 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 944542 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 201001 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 953930 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 335917 | XX/XX/XXXX | XXXXXXXXX | 64.57% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 175100 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 802372 | XX/XX/XXXX | XXXXXXXXX | 40.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.8 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 345439 | XX/XX/XXXX | XXXXXXXXX | 85.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.9 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 704482 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 5 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 405094 | XX/XX/XXXX | XXXXXXXXX | 85.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 927297 | XX/XX/XXXX | XXXXXXXXX | 73.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 996963 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 225676 | XX/XX/XXXX | XXXXXXXXX | 59.45% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 284065 | XX/XX/XXXX | XXXXXXXXX | 58.88% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 255369 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 131941 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 488689 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 412281 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 983588 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 902916 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 272134 | XX/XX/XXXX | XXXXXXXXX | 43.48% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 398359 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 383632 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 748326 | XX/XX/XXXX | XXXXXXXXX | 85.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 967361 | XX/XX/XXXX | XXXXXXXXX | 72.04% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 920921 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 496884 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 769168 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 744536 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 627886 | XX/XX/XXXX | XXXXXXXXX | 65.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 336245 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 297271 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 4.8 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 521748 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 5 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 775202 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 360027 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.8 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 994809 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 563970 | XX/XX/XXXX | XXXXXXXXX | 79.90% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 717817 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 929902 | XX/XX/XXXX | XXXXXXXXX | 78.52% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 631765 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 119484 | XX/XX/XXXX | XXXXXXXXX | 61.70% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 474913 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 355093 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.4 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 374837 | XX/XX/XXXX | XXXXXXXXX | 68.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 815287 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 827839 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 924500 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 906038 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 396576 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 727015 | XX/XX/XXXX | XXXXXXXXX | 58.90% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 564882 | XX/XX/XXXX | XXXXXXXXX | 69.95% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 303268 | XX/XX/XXXX | XXXXXXXXX | 52.50% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 288866 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 330243 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 590841 | XX/XX/XXXX | XXXXXXXXX | 56.46% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 385730 | XX/XX/XXXX | XXXXXXXXX | 68.95% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 117271 | XX/XX/XXXX | XXXXXXXXX | 89.90% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 365056 | XX/XX/XXXX | XXXXXXXXX | 85.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 212843 | XX/XX/XXXX | XXXXXXXXX | 72.41% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 751449 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 500479 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 752802 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 432283 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.3 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 324302 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 975434 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 253414 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 949532 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 255251 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 456652 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.7 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 147506 | XX/XX/XXXX | XXXXXXXXX | 65.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 830855 | XX/XX/XXXX | XXXXXXXXX | 74.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 628342 | XX/XX/XXXX | XXXXXXXXX | 65.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 332253 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 960524 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 259786 | XX/XX/XXXX | XXXXXXXXX | 66.35% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 827275 | XX/XX/XXXX | XXXXXXXXX | 69.37% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 724509 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 584710 | XX/XX/XXXX | XXXXXXXXX | 40.51% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.9 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 542514 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 116146 | XX/XX/XXXX | XXXXXXXXX | 70.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 528892 | XX/XX/XXXX | XXXXXXXXX | 85.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 400409 | XX/XX/XXXX | XXXXXXXXX | 56.60% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 146920 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 455672 | XX/XX/XXXX | XXXXXXXXX | 67.74% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 328888 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 601310 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 530732 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 499137 | XX/XX/XXXX | XXXXXXXXX | 60.73% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 109646 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 895425 | XX/XX/XXXX | XXXXXXXXX | 15.22% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 428893 | XX/XX/XXXX | XXXXXXXXX | 17.20% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 850963 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 572264 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 746093 | XX/XX/XXXX | XXXXXXXXX | 60.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 101628 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 146338 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 816515 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 4.9 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 435352 | XX/XX/XXXX | XXXXXXXXX | 50.00% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.9 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 603075 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.7 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 186294 | XX/XX/XXXX | XXXXXXXXX | 45.45% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.7 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 154862 | XX/XX/XXXX | XXXXXXXXX | 78.62% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 727235 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 568329 | XX/XX/XXXX | XXXXXXXXX | 66.50% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 794650 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 4.5 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 358614 | XX/XX/XXXX | XXXXXXXXX | 31.58% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 747229 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 632568 | XX/XX/XXXX | XXXXXXXXX | 75.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 999 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 628069 | XX/XX/XXXX | XXXXXXXXX | 56.71% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.5 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 276094 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 557388 | XX/XX/XXXX | XXXXXXXXX | 62.47% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 785493 | XX/XX/XXXX | XXXXXXXXX | 32.13% | XXXXXXXXX | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.9 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 952454 | XX/XX/XXXX | XXXXXXXXX | 90.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.5 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 907635 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Appraised Value | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 487355 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |

---

## Exhibit 99.5

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **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** |
| 907137 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.4184 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 714989 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.327 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 127318 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.9228 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 5 |  |  |
| 991262 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.9525 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 2 |  |  |
| 766174 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.2067 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 416268 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.2778 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 557263 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.112 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 139727 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.013 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 364143 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.8455 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 2 |  |  |
| 342317 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 2.5234 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 847072 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.9387 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 5 |  |  |
| 662046 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1704 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 913205 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.9821 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 4 |  |  |
| 544509 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.9064 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 4 | 1 | 2 | 1 | 2 |
| 544509 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 4 | 1 | 2 | 1 | 2 |
| 544509 | DSCR | 3 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 4 | 1 | 2 | 1 | 2 |
| 544509 | DSCR | 4 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 4 | 1 | 2 | 1 | 2 |
| 348864 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.001 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 134160 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1244 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 3 |  |  |
| 795600 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.0847 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 3 |  |  |
| 661683 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.8788 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 4 |  |  |
| 940059 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 2.2492 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 3 |
| 940059 | DSCR | 2 | XXXXXXX | XXXXXXX | Lease | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 3 |
| 845288 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.7386 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 316737 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.4188 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 3 |  |  |
| 745078 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1365 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 4 |  |  |
| 818871 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.3507 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 2 |  |  |
| 419383 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.3114 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 701089 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.2043 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 2 | 3 |
| 701089 | DSCR | 2 | XXXXXXX | XXXXXXX | Lease | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 2 | 3 |
| 611680 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0045 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 5 |  |  |
| 226604 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 0.9055 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 4 |  |  |
| 429485 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0744 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 485452 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.4449 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 751627 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0471 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 4 |  |  |
| 795675 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.1859 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 660881 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.062 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 4 |  |  |
| 822815 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0471 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 4 |  |  |
| 648454 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.0718 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 833394 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.8234 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 3 | 2 | 4 |
| 833394 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 3 | 2 | 4 |
| 506108 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.2288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 656481 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 0.8878 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 361105 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 2.0292 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 3 |  |  |
| 891616 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.0103 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 4 |  |  |
| 848928 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 0.7974 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 294594 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.8009 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 4 |  |  |
| 181785 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.3462 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 2 |  |  |
| 363292 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.2954 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 1 | 1 |
| 363292 | DSCR | 2 | XXXXXXX | XXXXXXX | Lease | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 1 | 1 |
| 769121 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 0.8938 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 4 |  |  |
| 910899 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.8977 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 4 |  |  |
| 459636 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.3528 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 4 |  |  |
| 963568 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0147 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 2 |  |  |
| 266743 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.8551 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 3 |  |  |
| 704825 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.2039 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 620339 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.769 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 4 |  |  |
| 469191 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.7572 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 5 | 4 |  |  |
| 963303 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.1851 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 1 | 3 |
| 963303 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 1 | 3 |
| 340079 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.8471 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 1 |  |  |
| 340079 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 1 |  |  |
| 952777 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.9419 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 2 |  |  |
| 533849 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 0.8328 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 2 |  |  |
| 517477 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.296 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 2 |  |  |
| 156352 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 0.7879 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 2 |  |  |
| 363819 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.2365 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 363819 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 759153 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.3393 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 3 |  |  |
| 541984 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.2336 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 2 |  |  |
| 950894 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1377 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 950894 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 592033 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1279 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 1 | 2 |
| 592033 | DSCR | 2 | XXXXXXX | XXXXXXX | Lease | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 1 | 2 |
| 416816 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0095 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 3 | 2 | 3 | 1 | 2 |
| 416816 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 3 | 2 | 3 | 1 | 2 |
| 416816 | DSCR | 3 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 3 | 2 | 3 | 1 | 2 |
| 614730 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.7907 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 2 |  |  |
| 928492 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0132 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 614900 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1026 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 5 |  |  |
| 948542 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.9077 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 3 |  |  |
| 762631 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 0.9254 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 2 | 3 |
| 762631 | DSCR | 2 | XXXXXXX | XXXXXXX | Lease | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 2 | 3 |
| 944542 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0099 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 2 |  |  |
| 201001 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1864 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 335917 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0028 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 175100 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.15 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 802372 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.448 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 2 |  |  |
| 405094 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0188 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 1 | 1 | 2 |
| 405094 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 1 | 1 | 2 |
| 927297 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1168 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 927297 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 996963 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.4052 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 3 |  |  |
| 225676 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.0016 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 5 |  |  |
| 284065 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0001 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 5 |  |  |
| 255369 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.3388 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 255369 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 131941 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.3766 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 2 |  |  |
| 398359 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.4657 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 2 | 3 |
| 398359 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 2 | 3 |
| 383632 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.126 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 3 | 1 | 3 |
| 383632 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 3 | 1 | 3 |
| 748326 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1575 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 5 |  |  |
| 920921 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0508 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 1 | 2 |
| 920921 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 1 | 2 |
| 496884 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0881 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 769168 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0325 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 627886 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.4839 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 1 |
| 627886 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 1 |
| 336245 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1505 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 1 | 3 |
| 336245 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 1 | 3 |
| 521748 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0152 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 2 |  |  |
| 775202 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.1661 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 4 |  |  |
| 360027 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1204 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 563970 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0158 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 563970 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 631765 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.8122 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 5 |  |  |
| 355093 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1708 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 374837 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.4644 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 4 | 2 | 5 |
| 374837 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 4 | 2 | 5 |
| 815287 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0107 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 827839 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0002 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 924500 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.3203 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 3 | 1 | 3 |
| 924500 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 3 | 1 | 3 |
| 906038 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.7576 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 4 | 1 | 2 | 1 | 2 |
| 906038 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 4 | 1 | 2 | 1 | 2 |
| 906038 | DSCR | 3 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 4 | 1 | 2 | 1 | 2 |
| 906038 | DSCR | 4 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 4 | 1 | 2 | 1 | 2 |
| 396576 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0063 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 2 |  |  |
| 727015 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 0.7506 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 303268 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0543 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 1 | 2 |
| 303268 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 3 | 1 | 2 |
| 288866 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.8059 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 330243 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1672 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 752802 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.3336 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 5 | 2 | 5 |
| 752802 | DSCR | 2 | XXXXXXX | XXXXXXX | Lease | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 2 | 5 | 2 | 5 |
| 432283 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.0029 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 2 |  |  |
| 324302 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.2058 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 4 |  |  |
| 975434 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0452 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 4 |  |  |
| 253414 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0696 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 4 |  |  |
| 949532 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.499 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 949532 | DSCR | 2 | XXXXXXX | XXXXXXX | Lease | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 255251 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.5043 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 255251 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 147506 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.6719 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 147506 | DSCR | 2 | XXXXXXX | XXXXXXX | Lease | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 830855 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.05 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 1 | 1 | 1 |
| 830855 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 1 | 1 | 1 |
| 628342 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.0156 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 3 |  |  |
| 332253 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.1291 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 332253 | DSCR | 2 | XXXXXXX | XXXXXXX | Lease | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 259786 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.2536 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 259786 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 827275 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.2634 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 2 | 3 |
| 827275 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 2 | 3 |
| 724509 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.012 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 2 | 4 |
| 724509 | DSCR | 2 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 2 | 4 |
| 116146 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0551 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 3 | 4 |  |  |
| 146920 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.196 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 2 |  |  |
| 601310 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.006 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 499137 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0157 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 4 |  |  |
| 109646 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.1174 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 2 |  |  |
| 895425 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 3.2728 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 3 | 1 | 3 | 3 | 3 |
| 895425 | DSCR | 2 | XXXXXXX | XXXXXXX | Lease | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 3 | 1 | 3 | 3 | 3 |
| 895425 | DSCR | 3 | XXXXXXX | XXXXXXX | Lease | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 3 | 1 | 3 | 3 | 3 |
| 428893 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 2.0101 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 428893 | DSCR | 2 | XXXXXXX | XXXXXXX | Lease | XXXXXXX |  |  | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 2 | 1 | 2 | 1 | 2 |
| 746093 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 1.0863 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 2 | 3 |  |  |
| 435352 | DSCR | 1 | XXXXXXX | XXXXXXX | Lease | XXXXXXX | 2.6711 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 4 | 4 |  |  |
| 568329 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.3338 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 2 |  |  |
| 632568 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 0.8345 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 2 |  |  |

---

## Exhibit 99.6

**Exhibit 99.6**

![](canopy_logo.jpg)

**NARRATIVE**

**BRAVO 2026-NQMR1**

**By Canopy Financial Technology Partners LLC on April 16, 2026**

Canopy Financial Technology Partners LLC

<u>chweeler@canopytpr.com</u> \| 720-371-8517 \| <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 <br>

![](canopy_logo.jpg)

**D** **escription of Services**<br>

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 Loan Funding Structure LLC (the "Client") or its affiliated company. The Review was conducted from December 2021 through August 2022 via files imaged and provided by the Client for review.

The Review consisted of a population of two hundred seventy-two (272) Loans with an aggregate principal balance of $155,474,542.

**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, Inc.

**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 First Name | &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 Last Name | &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 |

---

Canopy Financial Technology Partners <u>www.canopytpr.com</u>©2021 Proprietary and Confidential <br>

![](canopy_logo.jpg)

---

| | |
|:---|:---|
| &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 |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Interest rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan amount | &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;Maturity Date | &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 Value | &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:

Canopy Financial Technology Partners <u>www.canopytpr.com</u>©2021 Proprietary and Confidential <br>

![](canopy_logo.jpg)

**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;

● 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

Canopy Financial Technology Partners <u>www.canopytpr.com</u>©2021 Proprietary and Confidential <br>

![](canopy_logo.jpg)

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. 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.

Canopy Financial Technology Partners <u>www.canopytpr.com</u>©2021 Proprietary and Confidential <br>

![](canopy_logo.jpg)

**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;

● 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].

Canopy Financial Technology Partners <u>www.canopytpr.com</u>©2021 Proprietary and Confidential <br>

![](canopy_logo.jpg)

**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.

**"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' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

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(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;

(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** 

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&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 Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID
Grid 4.0");

&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.

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&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.

**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).

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● 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.

● 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.

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● 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.

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.

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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.

**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***

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 the Desk Review supported the origination appraised value within a -10% variance, no additional products were required.

● 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 value.

**Agency Eligible Loans:**

· For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review 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 a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review was required based on market acceptance of Agency Eligible Loans.

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**GRADING COMPONENTS**

**Due Diligence Grading Criteria**<br>

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.

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.

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| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event 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. |

---

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| | |
|:---|:---|
| &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 Grade** | &nbsp;&nbsp;**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 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. |

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections.

74.63% or two hundred three (203) mortgage loans have an overall grade of "A" and 25.37% or sixty-nine (69) mortgage loans have an overall grade of "B".

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Canopy's review concluded a credit grade of "A" for 97.06% or two hundred sixty-four (264) mortgage loans and a credit grade of "B" for 2.94% or eight (8) mortgage loans.

Canopy's review concluded a compliance grade of "A" for 78.68% or two hundred fourteen (214) mortgage loans and a compliance grade of "B" for 21.32% or fifty-eight (58) mortgage loans.

Canopy's review concluded a property/valuation grade of "A" for 97.79% or two hundred sixty-six (266) mortgage loan and a property/valuation grade of "B" for 2.21% or six (6) mortgage loans.

**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;203 | &nbsp;&nbsp;74.63% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;69 | &nbsp;&nbsp;25.37% |
| &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;**272** | &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;264 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.94% |
| &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;**272** | &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;214 | &nbsp;&nbsp;78.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;58 | &nbsp;&nbsp;21.32% |
| &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;**272** | &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;266 | &nbsp;&nbsp;97.79% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.21% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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Canopy Financial Technology Partners <u>www.canopytpr.com</u>©2021 Proprietary and Confidential <br>

![](canopy_logo.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**<br>

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;256 | &nbsp;&nbsp;94.12% | &nbsp;&nbsp;$142987792.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;16 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;$12486750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$155474542.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;272 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$155474542.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$155474542.00** |
| &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;4 | &nbsp;&nbsp;1.47% | &nbsp;&nbsp;$1947750.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.10% | &nbsp;&nbsp;$3724950.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;83 | &nbsp;&nbsp;30.51% | &nbsp;&nbsp;$41340945.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;68 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$36798400.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;94 | &nbsp;&nbsp;34.56% | &nbsp;&nbsp;$57008698.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;20 | &nbsp;&nbsp;7.35% | &nbsp;&nbsp;$14653799.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$155474542.00** |
| &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;257 | &nbsp;&nbsp;94.49% | &nbsp;&nbsp;$140692042.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;15 | &nbsp;&nbsp;5.51% | &nbsp;&nbsp;$14782500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$155474542.00** |

---

Canopy Financial Technology Partners <u>www.canopytpr.com</u>©2021 Proprietary and Confidential <br>

![](canopy_logo.jpg)

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;186 | &nbsp;&nbsp;68.38% | &nbsp;&nbsp;$117245356.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;11 | &nbsp;&nbsp;4.04% | &nbsp;&nbsp;$5201836.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;75 | &nbsp;&nbsp;27.57% | &nbsp;&nbsp;$33027350.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$155474542.00** |

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**DATA COMPARISON RESULTS**

Of the two hundred seventy-two (272) mortgage Loans File reviewed, thirty-seven (37) unique loans (13.97% by number) have forty-four (44) tape comparison discrepancies across thirteen (13) data fields.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;13 | &nbsp;&nbsp;272 | &nbsp;&nbsp;4.78% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;272 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Loan Amount/Draw Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;272 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;272 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;2 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;272 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;2 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.74% |
| &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;3 | &nbsp;&nbsp;272 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.37% |

---

Canopy Financial Technology Partners <u>www.canopytpr.com</u>©2021 Proprietary and Confidential <br>

![](canopy_logo.jpg)

**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 <br>

## Exhibit 99.6

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Co Borrower 2 Citizenship Indicator** | **Co Borrower 3 Citizenship Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower 2 Country Name** | **Co Borrower 3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **CPA Letter Flag** | **# of Months CPA verified income** | **WVOE Flag** | **# of Months WVOE** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?**  | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** |
| 787336 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.329% | xxx | 5.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 46.52% | 46.52% | 12/16/2021 | 673 |  |  |  |  |  |  | 12/16/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - Written VOE Verified, 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 12574 | 01/31/2022 | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 115671 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.626% | xxx | 6.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 47.79% | 47.79% | 02/08/2022 | 698 |  |  |  |  |  |  | 02/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, 12 Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 14586.5 | 02/07/2022 | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 48 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 886314 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.882% | xxx | 4.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 41.73% | 41.73% | 02/02/2022 | 774 |  |  |  |  |  |  | 02/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 9594.19 | 02/07/2022 | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 235518 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.872% | xxx | 5.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 44.55% | 44.55% | 01/14/2022 | 735 |  |  |  |  |  |  | 01/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 13349 | 01/10/2022 | 3.280% |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 1 | 1 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 324506 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx | 5.290% | xxx | 4.875% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 43.52% | 43.52% | 01/07/2022 | 707 |  |  |  |  |  |  | 01/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - Other - CPA Letter Verified, Written VOE Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 10442.75 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861460 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.224% | xxx | 5.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 44.20% | 44.20% | 12/07/2021 | 780 |  |  |  |  |  |  | 12/07/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 12 Business Bank Statements Verified \|\| Co Borrower - SESCorp - Written VOE Verified, 3 YRS Executed 4506T Verified, 12 Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 7819.08 | 01/10/2022 | 3.280% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 617291 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.931% | xxx | 4.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 35.25% | 35.25% | 12/21/2021 | 750 |  |  |  |  |  |  | 12/21/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 2 | Personal | 0.00% | 100.00% |  | Borrower Prepared | Borrower - SESoleProprietor, Other - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 6 Personal Bank Statements Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 17599 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 2 | 2 | 2 | 0 |  |  | 12 | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 101759 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.841% | xxx | 4.500% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 46.14% | 46.14% | 02/04/2022 | 725 |  |  |  |  |  |  | 02/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | ALT DOC |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 10269 | 02/07/2022 | 3.610% |  |  |  | No |  |  | No |  | 1 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 398437 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.114% | xxx | 4.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 29.65% | 29.65% | 01/21/2022 | 643 |  |  |  |  |  |  | 01/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Other - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 6730.25 | 01/31/2022 | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 627736 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.026% | xxx | 4.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 45.92% | 45.92% | 01/12/2022 | 813 |  |  |  |  |  |  | 01/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 73.49% | 100.00% |  |  | Borrower - Other REO Net Rental Income(Loss), SEPartnership - CPA Letter Verified, 12 Business Bank Statements Verified, Lease Agreements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 6548.2 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 120 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857726 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx | 5.235% | xxx | 4.875% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 37.19% | 37.19% | 01/25/2022 | 698 |  |  |  |  |  |  | 01/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 19099 | 02/21/2022 | 3.990% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 446305 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.631% | xxx | 4.500% | No |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 18.86% | 18.86% | 01/04/2022 | 763 |  |  |  |  |  |  | 01/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | 2 | Personal | 0.00% | 0.00% |  |  | Borrower - Asset Depletion - 1 Month Personal Bank Statements Verified | Borrower | Asset Depletion |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 23699 | 02/07/2022 | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 2 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 609477 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.504% | xxx | 4.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 9.00% | 9.00% | 01/13/2022 | 679 |  |  |  |  |  |  | 01/13/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 13949 | 01/24/2022 | 3.620% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 448635 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.193% | xxx | 4.750% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 38.42% | 38.42% | 01/06/2022 | 788 |  |  |  |  |  |  | 01/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Missing Written VOE Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 7325 | 02/07/2022 | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 729687 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.635% | xxx | 6.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 34.76% | 34.76% | 01/28/2022 | 697 |  |  |  |  |  |  | 01/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 13749 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 403324 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.650% | xxx | 5.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 36.54% | 36.54% | 01/19/2022 | 725 |  |  |  |  |  |  | 01/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 7780.25 | 02/07/2022 | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 120 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 606879 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.685% | xxx | 4.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 28.79% | 28.79% | 01/20/2022 | 806 |  |  |  |  |  |  | 01/20/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 1 Month Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 36713 | 01/24/2022 | 3.620% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 420418 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.212% | xxx | 4.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 32.59% | 32.59% | 02/04/2022 | 720 |  |  |  |  |  |  | 02/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 51.73% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, 12 Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - Written VOE Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 3275.25 | 02/07/2022 | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250839 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.541% | xxx | 4.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 24.55% | 24.55% | 02/12/2022 | 790 |  |  |  |  |  |  | 02/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified \|\| Co Borrower | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | ALT DOC |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 13975.87 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 1 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 405351 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx |  | xxx | 4.875% | No |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 49.80% | 49.80% | 01/28/2022 | 797 |  |  |  |  |  |  | 01/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - Other, Retirement - 2 YRS Personal Tax Returns Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 2 | 0 | 0 | 1 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 560030 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx | 5.155% | xxx | 4.875% | Yes | Yes | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 40.75% | 40.75% | 01/04/2022 | 770 |  |  |  |  |  |  | 01/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 166.00% |  |  | Borrower - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified \|\| Co Borrower | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 4939 | 01/31/2022 | 3.610% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 635478 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.965% | xxx | 5.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 38.61% | 38.61% | 02/08/2022 | 670 |  |  |  |  |  |  | 02/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, 24 Months Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 18311.5 | 02/21/2022 | 3.990% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 825949 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.891% | xxx | 4.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 47.86% | 47.86% | 02/04/2022 | 740 |  |  |  |  |  |  | 02/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Overtime and Bonus, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified | Borrower - Executed 4506T Verified, IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 8584 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 1 | 1 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 897884 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.119% | xxx | 4.990% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 44.25% | 44.25% | 01/25/2022 | 772 |  |  |  |  |  |  | 01/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, Written VOE Verified, 12 Business Bank Statements Verified, Lease Agreements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 15889 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 679183 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.147% | xxx | 5.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 17.95% | 17.95% | 01/24/2022 | 728 |  |  |  |  |  |  | 01/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 60.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, 12 Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement | 13 | xxx | xxx | 2 |  | 25 |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 9103 | 02/21/2022 | 3.990% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 166696 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.948% | xxx | 4.625% | No |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 0.00% | 0.00% | 01/11/2022 | 749 |  |  |  |  |  |  | 01/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Asset Depletion |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 8559 | 01/24/2022 | 3.620% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 328064 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 5.250% | Yes |  | Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 49.41% | 49.41% | 01/21/2022 | 784 |  |  |  |  |  |  | 01/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Lease Agreements Verified | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | ALT DOC |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 1 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 266362 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.430% | xxx | 5.250% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen |  |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 48.07% | 48.07% | 02/10/2022 | 705 |  |  |  |  |  |  | 02/10/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 0.00% |  |  | Borrower - SESCorp \|\| Co Borrower - SESCorp - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 12474 | 02/07/2022 | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 621701 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.524% | xxx | 4.375% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 0.00% | 0.00% | 01/27/2022 | 741 |  |  |  |  |  |  | 01/27/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | 6 |  | 0.00% | 100.00% |  |  | Borrower - Other REO Net Rental Income(Loss) - null Personal Bank Statements Verified | Borrower | Asset Depletion |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 31517.75 | 01/31/2022 | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 2 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 277038 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.973% | xxx | 4.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 38.72% | 38.72% | 01/24/2022 | 736 |  |  |  |  |  |  | 01/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 5.00% |  |  | Borrower - null Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower | Borrower - null Business Tax Returns Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 9474 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 503672 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.998% | xxx | 4.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 40.65% | 40.65% | 02/04/2022 | 696 |  |  |  |  |  |  | 02/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 10194 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 459718 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.283% | xxx | 3.875% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 41.48% | 41.48% | 12/07/2021 | 685 |  |  |  |  |  |  | 12/07/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60.54% | 100.00% |  |  | Borrower - SSI and Disability, Other - CPA Letter Verified, null W2 1099 Verified, Written VOE Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 4322 | 01/03/2022 | 3.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 36 | Yes | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 582371 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.120% | xxx | 4.990% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 14.41% | 14.41% | 02/10/2022 | 791 |  |  |  |  |  |  | 02/10/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 21990.2 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 447156 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.531% | xxx | 7.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 30.94% | 30.94% | 02/07/2022 | 640 |  |  |  |  |  |  | 02/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 31917 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 380304 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.971% | xxx | 4.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 27.25% | 27.25% | 02/23/2022 | 785 |  |  |  |  |  |  | 02/23/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 33.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - Written VOE Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 15839 | 02/21/2022 | 3.990% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 664063 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.509% | xxx | 5.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 42.26% | 42.26% | 03/01/2022 | 750 |  |  |  |  |  |  | 03/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 5793 | 03/07/2022 | 3.830% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 814114 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx |  | xxx | 5.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 37.65% | 37.65% | 03/04/2022 | 759 |  |  |  |  |  |  | 03/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Full Doc | 7 | xxx | xxx | 1 | 107 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation |  |  |  |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 2 | 1 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 483998 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx | 6.389% | xxx | 6.250% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 47.97% | 47.97% | 01/19/2022 | 766 |  |  |  |  |  |  | 01/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 33.00% |  |  | Borrower - Other - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 6699 | 03/07/2022 | 3.830% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 172565 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 5.990% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 30.97% | 30.97% | 03/07/2022 | 650 |  |  |  |  |  |  | 03/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 50 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 208059 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.980% | xxx | 5.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 44.93% | 44.93% | 12/07/2021 | 664 |  |  |  |  |  |  | 12/07/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 16089 | 02/21/2022 | 3.990% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 687026 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.469% | xxx | 6.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 28.22% | 28.22% | 03/03/2022 | 757 |  |  |  |  |  |  | 03/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SEPartnership - Written VOE Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - Written VOE Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 9294 | 03/07/2022 | 3.830% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 373767 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.015% | xxx | 5.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 31.27% | 31.27% | 01/11/2022 | 748 |  |  |  |  |  |  | 01/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS W2 1099 Verified, Written VOE Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 9822.75 | 03/14/2022 | 3.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 618410 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.397% | xxx | 6.250% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 39.72% | 39.72% | 12/21/2021 | 744 |  |  |  |  |  |  | 12/21/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 11389 | 02/28/2022 | 3.960% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 36 | Yes | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 414653 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 6.000% | Yes | Yes | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 36.59% | 36.59% | 03/01/2022 | 751 |  |  |  |  |  |  | 03/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Other REO Net Rental Income(Loss) - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified \|\| Co Borrower - Other REO Net Rental Income(Loss) | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 22 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 367265 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.845% | xxx | 5.500% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 44.60% | 44.60% | 12/08/2021 | 713 |  |  |  |  |  |  | 12/08/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 10212 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 733349 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 5.500% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 3 | xxx | xxx |  |  |  |  |  |  | 33.32% | 33.32% | 02/27/2022 | 729 |  |  |  |  |  |  | 02/27/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85.49% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 120 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 226328 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.604% | xxx | 4.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 18.12% | 18.12% | 01/04/2022 | 754 |  |  |  |  |  |  | 01/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 6699 | 01/24/2022 | 3.620% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 60 | Yes | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122358 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.758% | xxx | 5.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 16.28% | 16.28% | 03/07/2022 | 803 |  |  |  |  |  |  | 03/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 51.00% |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 13734 | 03/07/2022 | 3.830% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 896925 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.249% | xxx | 4.999% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 49.26% | 49.26% | 03/10/2022 | 809 |  |  |  |  |  |  | 03/10/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 18599 | 03/21/2022 | 4.230% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865045 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx | 6.100% | xxx | 5.875% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 47.40% | 47.40% | 02/24/2022 | 737 |  |  |  |  |  |  | 02/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  | 25837.39 | 02/28/2022 | 3.960% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 826378 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.108% | xxx | 4.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 46.17% | 46.17% | 01/18/2022 | 739 |  |  |  |  |  |  | 01/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 13547 | 02/28/2022 | 3.960% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 621086 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.955% | xxx | 5.625% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 33.63% | 33.63% | 02/21/2022 | 776 |  |  |  |  |  |  | 02/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 9074 | 03/21/2022 | 4.230% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 72 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 905755 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.499% | xxx | 5.250% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 48.29% | 48.29% | 01/18/2022 | 761 |  |  |  |  |  |  | 01/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 9185.25 | 02/21/2022 | 3.990% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 48 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 896615 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.268% | xxx | 5.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 43.00% | 43.00% | 03/11/2022 | 799 |  |  |  |  |  |  | 03/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 |  | 70.97% | 100.00% |  |  | Borrower - Other, Asset Depletion - CPA Letter Verified \|\| Co Borrower - Other, Asset Depletion - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 28599 | 03/14/2022 | 3.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 938351 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.811% | xxx | 5.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 12.69% | 12.69% | 02/25/2022 | 724 |  |  |  |  |  |  | 02/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 8949 | 03/14/2022 | 3.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 639561 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.460% | xxx | 5.250% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 44.34% | 44.34% | 02/16/2022 | 815 |  |  |  |  |  |  | 02/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | ALT DOC |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 8161.5 | 03/14/2022 | 3.920% |  |  |  | No |  |  | No |  | 1 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 503578 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 5.500% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 2 | xxx | xxx |  |  |  |  |  |  | 28.74% | 28.74% | 02/22/2022 | 747 |  |  |  |  |  |  | 02/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 14 | Personal,Business | 0.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SECorporation, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, Business Bank Statements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 | 2 | 2 | 2 | 2 |  |  | 12 | N/A | 0.000 |  | N/A | No | Yes | 84 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 137799 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 5.375% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 2 | xxx | xxx |  |  |  |  |  |  | 21.07% | 21.07% | 02/22/2022 | 747 |  |  |  |  |  |  | 02/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 12 | Business | 0.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SECorporation, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 | 2 | 2 | 2 | 2 |  | 12 | 24 | N/A | 0.000 |  | N/A | No | Yes | 84 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 988106 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 9.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 23.39% | 23.39% | 12/22/2021 | 707 |  |  |  |  |  |  | 12/22/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 84 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 376393 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.868% | xxx | 5.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 49.95% | 49.95% | 01/14/2022 | 770 |  |  |  |  |  |  | 01/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Other - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 31014 | 03/21/2022 | 4.230% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 111515 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.157% | xxx | 6.999% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 26.30% | 26.30% | 03/21/2022 | 729 |  |  |  |  |  |  | 03/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Other - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 8677.75 | 03/21/2022 | 4.230% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 269030 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 5.250% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 2 | xxx | xxx |  |  |  |  |  |  | 45.44% | 45.44% | 02/22/2022 | 747 |  |  |  |  |  |  | 02/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Borrower Prepared | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 | 2 | 2 | 2 | 2 |  |  | 12 | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 536543 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.757% | xxx | 5.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 20.71% | 20.71% | 02/25/2022 | 744 |  |  |  |  |  |  | 02/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 38786.5 | 02/21/2022 | 3.990% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 688711 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.095% | xxx | 4.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 22.80% | 22.80% | 01/25/2022 | 716 |  |  |  |  |  |  | 01/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 50.00% |  | Audited | Borrower - SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | ALT DOC |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 47104.05 | 02/07/2022 | 3.610% |  |  |  | No |  |  | No |  | 1 | 1 | 1 | 1 | 0 | 1 |  |  | 12 | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 676914 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 4.994% | xxx | 5.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 57.85% | 48.96% | 03/14/2022 | 754 |  |  |  |  |  |  | 03/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 15129 |  | 0.000% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 483137 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.350% | xxx | 4.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 45.49% | 45.49% | 03/01/2022 | 764 |  |  |  |  |  |  | 03/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 8032.88 | 03/07/2022 | 3.830% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 952594 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 5.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 29.60% | 29.60% | 02/07/2022 | 749 |  |  |  |  |  |  | 02/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 381940 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.854% | xxx | 6.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 41.41% | 41.41% | 03/01/2022 | 644 |  |  |  |  |  |  | 03/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Other REO Net Rental Income(Loss) - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified \|\| Co Borrower - Other REO Net Rental Income(Loss) | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 8911.28 | 02/28/2022 | 3.960% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 259416 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.250% | xxx | 5.999% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 48.82% | 48.82% | 02/17/2022 | 811 |  |  |  |  |  |  | 02/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 8338.12 | 03/28/2022 | 4.490% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 993696 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.726% | xxx | 6.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 24.09% | 24.09% | 03/19/2022 | 696 |  |  |  |  |  |  | 03/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement | 7 | xxx | xxx | 2 | 56 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 21199 | 03/28/2022 | 4.490% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858579 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 5.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 29.31% | 29.31% | 02/07/2022 | 749 |  |  |  |  |  |  | 02/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 822484 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.163% | xxx | 6.875% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 44.81% | 44.81% | 03/04/2022 | 734 |  |  |  |  |  |  | 03/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 16368 | 04/11/2022 | 4.790% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 2 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 530025 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.404% | xxx | 5.000% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 33.01% | 33.01% | 02/16/2022 | 693 |  |  |  |  |  |  | 02/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 13253.96 | 02/28/2022 | 3.960% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 570430 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.383% | xxx | 6.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 35.82% | 35.82% | 01/13/2022 | 664 |  |  |  |  |  |  | 01/13/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 15905.2 | 02/28/2022 | 3.960% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 84 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 942947 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.220% | xxx | 6.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 8.40% | 8.40% | 02/16/2022 | 797 |  |  |  |  |  |  | 02/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 8319 | 03/14/2022 | 3.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 96 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 993739 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.762% | xxx | 5.375% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 21.78% | 21.78% | 01/15/2022 | 779 |  |  |  |  |  |  | 01/15/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 11959 | 03/21/2022 | 4.230% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 726217 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.264% | xxx | 5.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 30.86% | 30.86% | 03/23/2022 | 726 |  |  |  |  |  |  | 03/23/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 66.19% | 100.00% |  |  | Borrower - Other - 2 YRS W2 1099 Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 7878 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 788230 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.887% | xxx | 5.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 24.33% | 24.33% | 04/08/2022 | 763 |  |  |  |  |  |  | 04/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 49.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 38942.81 | 03/14/2022 | 3.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 970470 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 5.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 29.19% | 29.19% | 03/25/2022 | 749 |  |  |  |  |  |  | 03/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859584 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.370% | xxx | 7.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 27.40% | 27.40% | 04/20/2022 | 685 |  |  |  |  |  |  | 04/20/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 88.91% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 13439 | 04/11/2022 | 4.790% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 720217 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx | 6.418% | xxx | 8.875% | Yes |  | Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 47.89% | 46.97% | 02/17/2022 | 641 |  |  |  |  |  |  | 02/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 5.00% |  |  | Borrower - Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified, Separation Agreement Verified | Borrower - Executed 4506T Verified, IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 4479 |  | 0.000% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 1 | 1 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 903945 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.471% | xxx | 5.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 7.26% | 7.26% | 02/03/2022 | 740 |  |  |  |  |  |  | 02/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 17139 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 74 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 299003 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx | 7.313% | xxx | 6.999% | Yes | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 46.30% | 46.30% | 03/03/2022 | 692 |  |  |  |  |  |  | 03/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  | 15432.06 | 03/28/2022 | 4.490% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 217968 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.360% | xxx | 7.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 43.89% | 43.89% | 03/28/2022 | 699 |  |  |  |  |  |  | 03/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 8595.6 | 03/28/2022 | 4.490% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 52 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 236399 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.146% | xxx | 5.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 40.28% | 40.28% | 03/29/2022 | 767 |  |  |  |  |  |  | 03/29/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 35386.5 | 03/28/2022 | 4.490% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 209905 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.519% | xxx | 7.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 36.31% | 36.31% | 03/25/2022 | 661 |  |  |  |  |  |  | 03/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 25806.5 | 04/04/2022 | 4.740% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 495582 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx | 6.317% | xxx | 6.125% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 32.29% | 32.29% | 03/04/2022 | 798 |  |  |  |  |  |  | 03/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 106.74% | 50.00% |  |  | Borrower - SEPartnership, Other - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 7566.46 | 03/28/2022 | 4.490% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 459327 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 6.875% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 41.03% | 41.03% | 02/03/2022 | 733 |  |  |  |  |  |  | 02/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 68.42% | 100.00% |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 678372 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 6.999% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 35.87% | 35.87% | 01/31/2022 | 705 |  |  |  |  |  |  | 01/31/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | 12 Month Bank Statement | 13 | xxx | xxx | 1 |  | 39 |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 449304 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx | 4.861% | xxx | 5.625% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 9.11% | 8.73% | 04/06/2022 | 813 |  |  |  |  |  |  | 04/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 17769 |  | 0.000% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 132090 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.486% | xxx | 6.375% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 49.45% | 49.45% | 03/22/2022 | 717 |  |  |  |  |  |  | 03/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 50.00% |  |  | Borrower - SESCorp - CPA Letter Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 16599 |  | 0.000% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 362357 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 8.299% | xxx | 7.999% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 34.74% | 34.74% | 03/16/2022 | 699 |  |  |  |  |  |  | 03/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 7839 | 05/02/2022 | 5.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 903639 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.266% | xxx | 6.999% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 24.16% | 24.16% | 02/14/2022 | 732 |  |  |  |  |  |  | 02/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 9836.13 | 02/14/2022 | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 829833 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.217% | xxx | 5.999% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 27.59% | 27.59% | 03/25/2022 | 752 |  |  |  |  |  |  | 03/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | 3 | Personal | 0.00% | 0.00% |  |  | Borrower - Asset Depletion - Personal Bank Statements Verified | Borrower | Asset Depletion |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 15059 | 04/18/2022 | 5.070% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 967141 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 5.875% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 9.57% | 9.57% | 03/09/2022 | 779 |  |  |  |  |  |  | 03/09/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 541454 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.520% | xxx | 6.250% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 38.08% | 38.08% | 04/27/2022 | 705 |  |  |  |  |  |  | 04/27/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 0.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 6849 | 05/02/2022 | 5.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 564404 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.856% | xxx | 6.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 34.54% | 34.54% | 03/25/2022 | 781 |  |  |  |  |  |  | 03/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 11625.56 | 05/16/2022 | 5.380% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 568499 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.966% | xxx | 7.500% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 41.55% | 41.55% | 02/02/2022 | 686 |  |  |  |  |  |  | 02/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 10430.25 | 04/11/2022 | 4.790% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 964196 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 6.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 14.92% | 14.92% | 04/22/2022 | 781 |  |  |  |  |  |  | 04/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 144276 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.473% | xxx | 6.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 37.55% | 37.55% | 05/04/2022 | 721 |  |  |  |  |  |  | 05/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 29596.85 | 05/16/2022 | 5.380% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 873900 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.437% | xxx | 5.999% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 43.32% | 43.32% | 05/06/2022 | 701 |  |  |  |  |  |  | 05/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 13115 | 05/16/2022 | 5.380% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 241097 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx | 8.845% | xxx | 8.375% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 38.61% | 38.61% | 04/08/2022 | 710 |  |  |  |  |  |  | 04/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 4788.62 | 05/09/2022 | 5.350% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 175258 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.199% | xxx | 5.999% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 49.04% | 49.04% | 05/09/2022 | 725 |  |  |  |  |  |  | 05/09/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 21849 | 05/09/2022 | 5.350% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 124077 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 5.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 27.50% | 27.50% | 02/07/2022 | 749 |  |  |  |  |  |  | 02/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 108 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 786409 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.296% | xxx | 6.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 12.55% | 12.55% | 04/01/2022 | 761 |  |  |  |  |  |  | 04/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 12354.8 | 04/04/2022 | 4.740% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 536092 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.608% | xxx | 7.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 41.06% | 41.06% | 04/08/2022 | 767 |  |  |  |  |  |  | 04/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  | 17748.38 | 05/09/2022 | 5.350% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408809 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 6.125% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 2 | xxx | xxx |  |  |  |  |  |  | 35.04% | 35.04% | 02/22/2022 | 747 |  |  |  |  |  |  | 02/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 | 2 | 2 | 3 | 3 |  |  | 12 | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780617 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.820% | xxx | 6.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 47.09% | 47.09% | 03/24/2022 | 746 |  |  |  |  |  |  | 03/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 12386.96 | 04/04/2022 | 4.740% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 896231 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.923% | xxx | 6.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 49.43% | 49.43% | 04/11/2022 | 691 |  |  |  |  |  |  | 04/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 16599 | 04/11/2022 | 4.790% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 513059 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 8.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 33.46% | 33.46% | 03/18/2022 | 653 |  |  |  |  |  |  | 03/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 965994 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 6.625% | Yes | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 47.71% | 47.71% | 03/16/2022 | 740 |  |  |  |  |  |  | 03/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 2 | 1 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860595 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.765% | xxx | 6.875% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 35.29% | 30.27% | 05/11/2022 | 743 |  |  |  |  |  |  | 05/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 9929 |  | 0.000% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 487008 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.171% | xxx | 6.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 39.86% | 39.86% | 04/21/2022 | 683 |  |  |  |  |  |  | 04/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 12 | Business | 30.47% | 100.00% |  |  | Borrower - Wage - Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 9924 | 05/02/2022 | 5.170% |  | 1 |  | No |  |  | No |  | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 665892 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.064% | xxx | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 35.32% | 35.32% | 04/29/2022 | 716 |  |  |  |  |  |  | 04/29/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 1000.00% |  |  | Borrower - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 12490.5 |  | 0.000% |  | 1.8 |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 268615 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx | 5.491% | xxx | 6.875% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 20.18% | 19.35% | 05/09/2022 | 768 |  |  |  |  |  |  | 05/09/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 11848 |  | 0.000% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 663087 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.782% | xxx | 5.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 39.40% | 39.40% | 05/05/2022 | 783 |  |  |  |  |  |  | 05/05/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Written VOE Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Written VOE Verified | Borrower - 2 YRS Personal Tax Returns Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 13849 | 05/09/2022 | 5.350% |  | 1 |  | No |  |  | No |  | 2 | 2 | 2 | 0 | 0 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 488018 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.406% | xxx | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  | xxx | xxx |  |  |  | 0.00% | 0.00% | 05/03/2022 | 787 |  |  |  |  |  |  | 05/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | 3 | Personal | 0.00% | 0.00% |  |  | Borrower - Personal Bank Statements Verified \|\| Co Borrower - Personal Bank Statements Verified | Borrower \|\| Co Borrower | Asset Depletion |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 8599 | 05/02/2022 | 5.170% |  | 1 |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 326414 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.798% | xxx | 7.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 47.78% | 47.78% | 03/26/2022 | 676 |  |  |  |  |  |  | 03/26/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 15817.75 | 05/02/2022 | 5.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 931716 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.131% | xxx | 5.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  | xxx | xxx |  |  |  | 34.07% | 34.07% | 05/06/2022 | 813 |  |  |  |  |  |  | 05/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 1000.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  | 9149 | 05/23/2022 | 5.330% |  | 1 |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 142667 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 7.250% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 16.34% | 16.34% | 04/12/2022 | 704 |  |  |  |  |  |  | 04/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 315517 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx |  | xxx | 8.999% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 34.69% | 34.69% | 03/18/2022 | 653 |  |  |  |  |  |  | 03/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership - Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 13 |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 961528 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.143% | xxx | 5.999% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 45.80% | 45.80% | 05/06/2022 | 756 |  |  |  |  |  |  | 05/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 3 | Personal | 29.79% | 0.00% |  |  | Borrower - SEPartnership - Personal Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | Asset Depletion |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 31269 | 05/02/2022 | 5.170% |  | 1 |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 608271 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.996% | xxx | 7.999% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 34.36% | 29.33% | 05/15/2022 | 699 |  |  |  |  |  |  | 05/15/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 11949 |  | 0.000% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 589454 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 6.633% | xxx | 6.500% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 41.46% | 41.46% | 05/18/2022 | 741 |  |  |  |  |  |  | 05/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 37.11% | 100.00% |  |  | Borrower - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 32599 | 05/16/2022 | 5.380% |  |  |  | No |  |  | No |  | 1 | 0 | 0 | 0 | 3 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 353768 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.592% | xxx | 7.250% | No |  | Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 40.83% | 36.12% | 05/19/2022 | 702 |  |  |  |  |  |  | 05/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | 3 | Personal | 0.00% | 0.00% |  |  | Borrower - Wage, Asset Depletion - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Asset Depletion |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 43599 |  | 0.000% |  |  |  | No |  |  | No |  | 1 | 0 | 0 | 0 | 3 | 1 | 3 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 670693 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.903% | xxx | 7.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 20.05% | 20.05% | 05/23/2022 | 706 |  |  |  |  |  |  | 05/23/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 14849.62 | 05/23/2022 | 5.330% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 259186 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 8.057% | xxx | 7.750% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 44.94% | 44.94% | 05/11/2022 | 730 |  |  |  |  |  |  | 05/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified | Borrower | W2/1099 Verified |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 9699 | 05/23/2022 | 5.330% |  |  |  | No |  |  | No |  | 1 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 916219 |  |  | ATR/QM: Not Applicable | xxx | Yes | No |  | xxx | xxx | 6.349% | xxx | 6.250% | Yes | Yes | Employed | Employed | Employed |  |  |  | US Citizen | US Citizen | US Citizen |  | xxx | xxx | xxx |  |  | 1 | xxx | xxx | xxx | xxx | xxx |  |  |  | 49.23% | 49.23% | 06/01/2022 | 772 | 689 | 771 | 725 |  |  |  | 06/01/2022 |  |  |  |  |  |  | 725 |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - CPA Letter Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower 2 - Wage - Award Letter Verified | Borrower \|\| Co Borrower - 1 YR IRS Transcripts Verified \|\| Co Borrower 2 | 1YR Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx |  | 30047 | 05/30/2022 | 5.180% |  |  |  | No |  |  | No |  | 0 | 1 | 0 | 0 | 0 | 1 |  |  |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 970100 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 5.661% | xxx | 5.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 48.98% | 48.98% | 03/23/2022 | 793 |  |  |  |  |  |  | 03/23/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Borrower Prepared | Borrower - Wage, Retirement, SECorporation - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | 1YR Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 27449 | 05/23/2022 | 5.330% |  |  |  | No |  |  | No |  | 2 | 0 | 1 | 1 | 2 | 2 |  |  | 17 | N/A | 0.000 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 263924 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.443% | xxx | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | xxx | xxx |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 48.79% | 48.79% | 05/31/2022 | 694 |  |  |  |  |  |  | 05/31/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Qualifying DTI Exceeds 43% | 14949 | 06/06/2022 | 5.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 381562 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx |  | xxx | 7.125% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  | xxx | xxx |  |  |  | 26.09% | 26.09% | 04/07/2022 | 689 |  |  |  |  |  |  | 04/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 538932 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.679% | xxx | 7.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 42.86% | 42.86% | 04/25/2022 | 780 |  |  |  |  |  |  | 04/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 5349 | 05/02/2022 | 5.170% |  | 1 |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 640584 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | xxx | xxx | xxx | 7.038% | xxx | 6.875% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  | xxx | xxx |  |  |  | 26.96% | 26.96% | 05/13/2022 | 720 |  |  |  |  |  |  | 05/13/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 10524 | 05/23/2022 | 5.330% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 48 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 326539 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx |  | xxx | 6.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 35.36% | 35.36% | 06/01/2022 | 732 |  |  |  |  |  |  | 06/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 60 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 645651 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | xxx | xxx | 6.908% | xxx | 6.750% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | xxx |  |  |  |  | 1 | xxx | xxx |  |  |  |  |  |  | 32.98% | 32.98% | 05/16/2022 | 736 |  |  |  |  |  |  | 05/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | xxx | xxx | Appendix Q Documentation | 35995.8 | 06/06/2022 | 5.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 722815 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx | XXX | 3.956% | xxx | 3.875% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 26.93% | 26.93% | xxx | xxx |  |  |  |  |  |  | 08/03/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Lease Agreements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  | 1660 | XXX | 3.030% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 899011 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  |  | xxx | 6.625% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 10/21/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.050 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 585632 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.210% | xxx | 4.000% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 34.53% | 34.53% | xxx | xxx |  |  |  |  |  |  | 11/09/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 11895 | XXX | 3.030% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 104 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 541053 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.769% | xxx | 3.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 36.56% | 36.56% | xxx | xxx |  |  |  |  |  |  | 11/23/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 99.16% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5981 | XXX | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 649431 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.858% | xxx | 3.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 33.39% | 33.39% | xxx | xxx |  |  |  |  |  |  | 09/24/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Other - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6225 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 120 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 429937 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.745% | xxx | 3.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 40.55% | 40.55% | xxx | xxx |  |  |  |  |  |  | 10/04/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Missing CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 13080.38 | XXX | 3.060% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 911925 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.281% | xxx | 3.999% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 41.81% | 41.81% | xxx | xxx |  |  |  |  |  |  | 10/09/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - SESCorp - null Personal Bank Statements Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement | 7 | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9000 | XXX | 3.040% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 381880 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.324% | xxx | 3.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 40.23% | 40.23% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 99.33% | 100.00% |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified, Lease Agreements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 13290 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 537968 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.035% | xxx | 3.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  | xxx | xxx |  |  |  | 13.64% | 13.64% | xxx | xxx |  |  |  |  |  |  | 11/11/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 40.00% |  |  | Borrower - SECorporation - Written VOE Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 3665 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 663806 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.868% | xxx | 3.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 22.59% | 22.59% | xxx | xxx |  |  |  |  |  |  | 11/12/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6965 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 674846 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.134% | xxx | 3.875% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 34.39% | 34.39% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - Other - 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5095 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 155712 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.062% | xxx | 3.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 46.05% | 46.05% | xxx | xxx |  |  |  |  |  |  | 10/28/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - 12 Personal Bank Statements Verified \|\| Co Borrower - 12 Personal Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 5000 | XXX | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 240565 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.415% | xxx | 3.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 38.38% | 38.38% | xxx | xxx |  |  |  |  |  |  | 11/21/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5846.38 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849561 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.573% | xxx | 3.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 43.23% | 43.23% | xxx | xxx |  |  |  |  |  |  | 11/23/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 139.46% | 1000.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 7295 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 120 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 755223 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx | XXX | 3.841% | xxx | 3.625% | Yes | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 2 | XXX | xxx |  |  |  |  |  |  | 45.02% | 45.02% | xxx | xxx |  |  |  |  |  |  | 11/26/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS W2 1099 Verified | Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 2 | 0 |  |  |  |  | 0.000 |  | N/A | No | NA |  | Yes | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 622649 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.296% | xxx | 4.000% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 33.11% | 33.11% | xxx | xxx |  |  |  |  |  |  | 09/07/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.01% | 100.00% |  |  | Borrower - SECorporation - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8942 | XXX | 2.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 663320 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.101% | xxx | 3.999% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  | xxx | xxx |  |  |  | 4.49% | 4.49% | xxx | xxx |  |  |  |  |  |  | 12/06/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 11235 | XXX | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 430783 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.031% | xxx | 3.625% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 27.98% | 27.98% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - Other, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 Month Personal Bank Statements Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 33104.95 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 818481 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.732% | xxx | 3.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 21.56% | 21.56% | xxx | xxx |  |  |  |  |  |  | 11/12/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% |  |  |  | Borrower - CPA Letter Verified, 12 Personal Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 4191.25 | XXX | 3.100% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 892245 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.826% | xxx | 3.500% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 39.89% | 39.89% | xxx | xxx |  |  |  |  |  |  | 11/09/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 65.09% | 100.00% |  |  | Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 3281 | XXX | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 654761 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.950% | xxx | 3.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 15.46% | 15.46% | xxx | xxx |  |  |  |  |  |  | 11/08/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90.84% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 12545 | XXX | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 769612 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.888% | xxx | 3.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 22.65% | 22.65% | xxx | xxx |  |  |  |  |  |  | 10/28/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Personal Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 7303.13 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 132 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854726 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.220% | xxx | 4.000% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 45.13% | 45.13% | xxx | xxx |  |  |  |  |  |  | 11/28/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 10040 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 823714 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.014% | xxx | 3.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  | xxx | xxx |  |  |  | 25.62% | 25.62% | xxx | xxx |  |  |  |  |  |  | 12/05/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 96.14% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Personal Bank Statements Verified, Lease Agreements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9216.27 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 553750 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.346% | xxx | 3.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 24.19% | 24.19% | xxx | xxx |  |  |  |  |  |  | 11/04/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 106.48% | 64.00% |  |  | Borrower - Wage - CPA Letter Verified, 6 Personal Bank Statements Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 30000 | XXX | 3.200% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 120 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 128173 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.511% | xxx | 3.375% | No | No | Self-Employed | Not Employed |  |  |  |  | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 39.48% | 39.48% | xxx | xxx |  |  |  |  |  |  | 12/08/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5920 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 876692 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx | XXX | 4.016% | xxx | 3.875% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 12/14/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.820 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839777 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.278% | xxx | 3.125% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 48.62% | 48.62% | xxx | xxx |  |  |  |  |  |  | 10/08/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 10000 | XXX | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.260 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 678699 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.275% | xxx | 3.125% | No |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 38.53% | 38.53% | xxx | xxx |  |  |  |  |  |  | 11/03/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - Retirement, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1040 Schedule E Verified | Borrower - 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6420 | XXX | 3.200% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 224436 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 4.056% | xxx | 3.875% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 11/23/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.940 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 217205 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 4.062% | xxx | 3.875% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.910 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 957475 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.151% | xxx | 3.999% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen |  |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 9.83% | 9.83% | xxx | xxx |  |  |  |  |  |  | 11/01/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 96.28% | 50.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 12800 | XXX | 3.200% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 255744 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.933% | xxx | 3.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 41.02% | 41.02% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, Separation Agreement Verified \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 10095 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 767320 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.304% | xxx | 4.000% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 14.90% | 14.90% | xxx | xxx |  |  |  |  |  |  | 11/23/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESCorp - 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 11665 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 874699 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.236% | xxx | 4.000% | No | No | Self-Employed | Not Employed |  |  |  |  | Non Permanent Resident Alien | Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 31.89% | 31.89% | xxx | xxx |  |  |  |  |  |  | 12/30/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 7945 | XXX | 3.100% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 753596 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.297% | xxx | 4.000% | No | No | Self-Employed | Not Employed |  |  |  |  | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 17.90% | 17.90% | xxx | xxx |  |  |  |  |  |  | 01/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 98.74% | 100.00% |  |  | Borrower - 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8534 | XXX | 3.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 626084 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.086% | xxx | 3.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 32.24% | 32.24% | xxx | xxx |  |  |  |  |  |  | 01/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 101.90% | 100.00% |  |  | Borrower - Other - 6 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 14820 | XXX | 3.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 797628 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.988% | xxx | 3.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 2 | XXX | xxx |  |  |  |  |  |  | 19.12% | 19.12% | xxx | xxx |  |  |  |  |  |  | 12/06/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6848 | XXX | 3.160% |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 180608 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.271% | xxx | 3.999% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 44.53% | 44.53% | xxx | xxx |  |  |  |  |  |  | 12/07/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 0 |  | 141.71% | 100.00% |  |  | Borrower - SESoleProprietor | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8015 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 427988 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.223% | xxx | 3.999% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 45.22% | 45.22% | xxx | xxx |  |  |  |  |  |  | 12/29/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified | Borrower - 2 YRS Personal Tax Returns Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 38793.75 | XXX | 3.100% |  |  |  | No |  |  | No |  | 2 | 0 | 2 | 0 | 0 | 0 |  |  |  |  | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 914606 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.884% | xxx | 3.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 44.45% | 44.45% | xxx | xxx |  |  |  |  |  |  | 12/22/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 98.80% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 2495 | XXX | 3.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 343266 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.140% | xxx | 4.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 39.00% | 39.00% | xxx | xxx |  |  |  |  |  |  | 10/13/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - Other - 12 Business Bank Statements Verified \|\| Co Borrower - Other - 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 1430 | XXX | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 190666 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.985% | xxx | 3.875% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 35.44% | 35.44% | xxx | xxx |  |  |  |  |  |  | 01/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 26.95% | 0.00% |  |  | Borrower - Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified \|\| Co Borrower - Other - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8495 | XXX | 3.280% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 | 2 | 12 |  | Yes | 0.000 |  | N/A | No | NA | 12 | Yes | 34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 912271 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.060% | xxx | 3.875% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 12/15/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Not Stated Not Verified |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 23790 | XXX | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 807370 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.096% | xxx | 3.999% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 24.08% | 24.08% | xxx | xxx |  |  |  |  |  |  | 02/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 15295 | XXX | 3.620% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 423885 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.941% | xxx | 3.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 6.65% | 6.65% | xxx | xxx |  |  |  |  |  |  | 12/06/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Written VOE Verified, 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8045 | XXX | 3.510% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 722785 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.132% | xxx | 3.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  | xxx | xxx |  |  |  | 16.69% | 16.69% | xxx | xxx |  |  |  |  |  |  | 02/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 96.69% | 33.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 13625 | XXX | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 501885 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.030% | xxx | 3.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  | xxx | xxx |  |  |  | 49.13% | 49.13% | xxx | xxx |  |  |  |  |  |  | 01/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 3735 | XXX | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 944450 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.024% | xxx | 3.875% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 34.88% | 34.88% | xxx | xxx |  |  |  |  |  |  | 01/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 3795 | XXX | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 538401 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  |  | xxx | 3.875% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 1.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.320 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776417 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.915% | xxx | 3.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 39.60% | 39.60% | xxx | xxx |  |  |  |  |  |  | 11/15/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6690 | XXX | 3.280% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 528443 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | Corr | xxx | 3.875% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.150 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 460126 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 3.566% | xxx | 3.375% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 47.73% | 47.73% | xxx | xxx |  |  |  |  |  |  | 12/17/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 12315 | XXX | 3.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 897700 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx | XXX |  | xxx | 3.625% | Yes |  | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 12/18/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.780 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 165277 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.040% | xxx | 3.875% | Yes |  | Not Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 12/17/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.170 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 919018 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.073% | xxx | 6.875% | Yes |  | Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.070 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 477099 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.631% | xxx | 7.250% | No |  | Retired |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 42.10% | 42.10% | xxx | xxx |  |  |  |  |  |  | 03/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, Award Letter Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9095 | XXX | 3.160% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 338726 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.431% | xxx | 7.375% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 37.35% | 37.35% | xxx | xxx |  |  |  |  |  |  | 01/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8510 | XXX | 3.280% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 624178 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.075% | xxx | 7.000% | Yes |  | Employed |  |  |  |  |  | Foreign National |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other - Personal Bank Statements Verified | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.830 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 366671 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.089% | xxx | 8.374% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Foreign National | Foreign National |  |  | XXX | XXX |  |  |  | 2 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.820 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 510129 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.097% | xxx | 9.125% | Yes |  | Not Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 03/09/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.680 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 714446 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 6.980% | xxx | 6.625% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  | xxx | xxx |  |  |  | 11.51% | 11.51% | xxx | xxx |  |  |  |  |  |  | 03/23/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 99.20% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 10505 | XXX | 4.230% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 629921 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.984% | xxx | 7.625% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 45.05% | 45.05% | xxx | xxx |  |  |  |  |  |  | 03/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 23690 | XXX | 4.230% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 522563 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 4.239% | xxx | 3.999% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  | xxx | xxx |  |  |  | 44.79% | 44.79% | xxx | xxx |  |  |  |  |  |  | 03/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 11068.13 | XXX | 3.610% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 184013 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.910% | xxx | 7.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 13.50% | 13.50% | xxx | xxx |  |  |  |  |  |  | 03/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 21717.38 | XXX | 4.230% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849248 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 6.885% | xxx | 6.625% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 36.74% | 36.74% | xxx | xxx |  |  |  |  |  |  | 02/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 5000.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 3374 | XXX | 3.960% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 292313 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.577% | xxx | 7.499% | No |  | Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 36.87% | 36.87% | xxx | xxx |  |  |  |  |  |  | 03/20/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6287 | XXX | 4.230% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 351039 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx | XXX | 0.069% | xxx | 6.625% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.900 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 810232 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.071% | xxx | 6.875% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.520 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 228426 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.071% | xxx | 6.875% | Yes | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  | xxx | xxx |  |  |  | 23.40% | 23.40% | xxx | xxx |  |  |  |  |  |  | 03/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 913684 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx | XXX | 0.070% | xxx | 6.625% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 02/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.070 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 398789 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx | XXX | 0.040% | xxx | 3.875% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.010 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 157507 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 8.203% | xxx | 7.990% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 30.40% | 30.40% | xxx | xxx |  |  |  |  |  |  | 03/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 1850 | XXX | 3.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 60 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 886952 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 6.983% | xxx | 6.625% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 29.26% | 29.26% | xxx | xxx |  |  |  |  |  |  | 04/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Separation Agreement Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8110 | XXX | 5.070% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 310353 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No |  | xxx | XXX | 7.961% | xxx | 7.750% | Yes | Yes | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  | xxx | xxx |  |  |  | 38.35% | 38.35% | xxx | xxx |  |  |  |  |  |  | 03/31/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 2298.00% |  | Borrower Prepared | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified | Borrower - 2 YRS Personal Tax Returns Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6636.88 | XXX | 5.070% |  |  |  | No |  |  | No |  | 2 | 2 | 2 | 0 | 0 | 0 |  |  | 12 |  | 0.000 |  | N/A | No | NA | 24 | Yes | 28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 240801 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.074% | xxx | 7.000% | Yes |  | Not Employed |  |  |  |  |  | Foreign National |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Personal Bank Statements Verified | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.170 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 796607 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.754% | xxx | 7.250% | No |  | Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 40.53% | 40.53% | xxx | xxx |  |  |  |  |  |  | 04/05/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 10845 | XXX | 4.740% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  | N/A | 0.000 |  | N/A | No | NA |  | Yes | 27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 759725 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.077% | xxx | 7.375% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 04/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.150 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 252787 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.086% | xxx | 8.250% | Yes |  | Not Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 04/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.820 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 410716 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.090% | xxx | 8.375% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 04/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.360 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 179174 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.076% | xxx | 7.125% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 04/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.100 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 723285 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.432% | xxx | 7.125% | No |  | Not Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 21.23% | 21.23% | xxx | xxx |  |  |  |  |  |  | 04/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 |  | 100.00% |  |  |  | Borrower - SESoleProprietor \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5263 | XXX | 3.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 211593 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.168% | xxx | 7.000% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 47.15% | 47.15% | xxx | xxx |  |  |  |  |  |  | 04/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 13512.5 | XXX | 5.070% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 33 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 695991 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.058% | xxx | 6.875% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | XXX | xxx |  |  |  |  |  |  | 46.29% | 46.29% | xxx | xxx |  |  |  |  |  |  | 04/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 0 |  | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6021.4 | XXX | 5.070% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  |  | No | Yes | 24 | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 603889 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.011% | xxx | 6.750% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 29.53% | 29.53% | xxx | xxx |  |  |  |  |  |  | 04/05/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8095 | XXX | 4.740% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222149 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.440% | xxx | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 31.84% | 31.84% | xxx | xxx |  |  |  |  |  |  | 04/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower - Executed 4506T Verified \|\| Co Borrower | 12 Month Bank Statement | 7 | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8331.25 | XXX | 4.790% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 539278 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.075% | xxx | 7.375% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 03/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.680 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 279149 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.077% | xxx | 7.125% | Yes | Yes | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - N/A - Personal Bank Statements Verified, Business Bank Statements Verified | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.090 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 243336 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.068% | xxx | 6.750% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 03/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio | 7 | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.390 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 338572 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.087% | xxx | 8.500% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.790 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 711106 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.080% | xxx | 7.625% | Yes |  | Not Employed |  |  |  |  |  | Foreign National |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.010 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 812478 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.072% | xxx | 6.875% | Yes |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 15.93% | 15.93% | xxx | xxx |  |  |  |  |  |  | 04/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 95.96% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 724224 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.515% | xxx | 7.250% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 44.30% | 44.30% | xxx | xxx |  |  |  |  |  |  | 04/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Audited | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified | Borrower - 2 YRS Personal Tax Returns Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 8399 | XXX | 5.070% |  |  |  | No |  |  | No |  | 0 | 0 | 2 | 0 | 0 | 0 |  |  | 16 |  | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 594572 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.071% | xxx | 6.875% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 04/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.060 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 337783 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.297% | xxx | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 26.91% | 26.91% | xxx | xxx |  |  |  |  |  |  | 05/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5396 | XXX | 3.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 138822 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 6.969% | xxx | 6.625% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 43.30% | 43.30% | xxx | xxx |  |  |  |  |  |  | 03/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified, Personal Bank Statements Verified | Borrower - 2 YRS Personal Tax Returns Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8445 | XXX | 4.490% |  |  |  | No |  |  | No |  | 0 | 0 | 2 | 0 | 0 | 0 | 3 |  |  |  | 0.000 |  | N/A | No | NA |  | Yes | 28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 979947 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.654% | xxx | 7.375% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 37.06% | 37.06% | xxx | xxx |  |  |  |  |  |  | 04/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 7735 | XXX | 5.070% |  |  |  | No |  |  | No |  | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 464901 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 8.403% | xxx | 8.375% | No |  | Self-Employed |  |  |  |  |  | Unknown |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 48.20% | 48.20% | xxx | xxx |  |  |  |  |  |  | 05/10/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 10857.5 | XXX | 5.180% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 530688 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.869% | xxx | 7.375% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 46.17% | 46.17% | xxx | xxx |  |  |  |  |  |  | 05/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Overtime and Bonus, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 7245 | XXX | 5.170% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 0.000 |  | N/A | No | NA |  | Yes | 28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 766709 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 8.181% | xxx | 7.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 37.56% | 37.56% | xxx | xxx |  |  |  |  |  |  | 04/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5575 | XXX | 4.790% |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  | N/A | No | NA |  | Yes | 27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 624439 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.658% | xxx | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 18.48% | 18.48% | xxx | xxx |  |  |  |  |  |  | 04/15/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor | Borrower \|\| Co Borrower | 12 Month Bank Statement | 7 | XXX | XXX | 2 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9890 |  | 0.000% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852729 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 8.316% | xxx | 8.250% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 22.22% | 22.22% | xxx | xxx |  |  |  |  |  |  | 04/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 50.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 7695 | XXX | 5.180% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 185885 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 8.315% | xxx | 7.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 34.68% | 34.68% | xxx | xxx |  |  |  |  |  |  | 03/10/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 76.95% | 24685.00% |  |  | Borrower - Wage - Personal Bank Statements Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 17573.38 | XXX | 4.790% |  |  |  | No |  |  | No |  | 0 | 1 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 219175 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.217% | xxx | 6.875% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 47.50% | 47.50% | xxx | xxx |  |  |  |  |  |  | 04/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 13870 | XXX | 5.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 368853 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx | XXX | 0.073% | xxx | 6.999% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 4 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 05/09/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.220 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 557391 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.028% | xxx | 6.750% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 20.41% | 20.41% | xxx | xxx |  |  |  |  |  |  | 03/29/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6825.7 | XXX | 5.350% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 586393 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.414% | xxx | 7.000% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 2 | XXX | xxx |  |  |  |  |  |  | 28.89% | 28.89% | xxx | xxx |  |  |  |  |  |  | 04/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 14840 | XXX | 5.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 282992 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 6.860% | xxx | 6.625% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 48.11% | 48.11% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 17795 | XXX | 5.350% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 60 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 569193 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.073% | xxx | 7.250% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.850 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 102299 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.079% | xxx | 7.625% | Yes |  | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 34.16% | 34.16% | xxx | xxx |  |  |  |  |  |  | 05/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 425123 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.049% | xxx | 6.750% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 47.44% | 47.44% | xxx | xxx |  |  |  |  |  |  | 04/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement | 7 | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9045 | XXX | 4.790% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 395289 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.423% | xxx | 7.250% | No |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 10.44% | 10.44% | xxx | xxx |  |  |  |  |  |  | 04/15/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 3 | Personal | 100.00% | 0.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 14300 | XXX | 5.070% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  | N/A | 0.000 |  | N/A | No | Yes | 84 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 625282 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.074% | xxx | 7.125% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 05/10/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.030 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 353942 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.346% | xxx | 6.874% | No |  | Self-Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 34.88% | 34.88% | xxx | xxx |  |  |  |  |  |  | 03/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0.00% | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 4045 | XXX | 4.490% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 128870 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.664% | xxx | 7.250% | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 23.65% | 23.65% | xxx | xxx |  |  |  |  |  |  | 03/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 10096.88 | XXX | 4.740% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 60 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 137825 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 8.527% | xxx | 8.125% | No |  | Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 48.24% | 48.24% | xxx | xxx |  |  |  |  |  |  | 03/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8720 | XXX | 3.920% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 892765 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 8.014% | xxx | 7.750% | No |  | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 40.97% | 40.97% | xxx | xxx |  |  |  |  |  |  | 03/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 11299 | XXX | 4.490% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | Yes | 60 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305459 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 7.998% | xxx | 7.625% | No |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 15.65% | 15.65% | xxx | xxx |  |  |  |  |  |  | 04/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 99.00% |  |  | Borrower - SEPartnership - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 18845 | XXX | 4.790% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 923464 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | xxx | xxx | XXX | 6.905% | xxx | 6.750% | No |  | Self-Employed | Employed |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 31.09% | 31.09% | xxx | xxx |  |  |  |  |  |  | 04/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 62.30% | 100.00% |  |  | Borrower - Wage - Personal Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement | 7 | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8045 | XXX | 5.070% |  |  |  | No |  |  | No |  | 0 | 2 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 803745 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.085% | xxx | 8.125% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Foreign National | Foreign National |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.250 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 323886 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.077% | xxx | 7.375% | Yes |  | Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 2 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 05/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.480 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305580 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.092% | xxx | 8.750% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 2 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 04/13/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.150 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 497893 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.074% | xxx | 7.125% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 04/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 388296 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.082% | xxx | 7.625% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 04/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.250 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 435684 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.077% | xxx | 7.125% | Yes | Yes | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 04/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.150 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 618613 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx | XXX | 0.071% | xxx | 6.875% | Yes |  | Not Employed |  |  |  |  |  | Unknown |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 03/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.130 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 647931 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.076% | xxx | 7.375% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | Foreign National | Foreign National |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 04/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.940 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 715473 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.081% | xxx | 8.125% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  | XXX | XXX |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 47.94% | 47.94% | xxx | xxx |  |  |  |  |  |  | 05/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 50.00% |  | Borrower Prepared | Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1040 Schedule E Verified \|\| Co Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 2 | 2 | 2 | 0 | 0 |  |  | 15 |  | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 826680 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.083% | xxx | 7.750% | Yes |  | Not Employed |  |  |  |  |  | Non Permanent Resident Alien |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 05/05/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.100 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 799210 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.071% | xxx | 6.750% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 05/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.100 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 261877 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.076% | xxx | 7.125% | Yes |  | Not Employed |  |  |  |  |  | Foreign National |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx | XXX | xxx | xxx |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.170 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 583582 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx | XXX | 0.073% | xxx | 7.000% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 03/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.250 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 146727 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.078% | xxx | 7.500% | Yes |  | Not Employed |  |  |  |  |  | US Citizen |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  | 04/15/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.980 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 646547 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | xxx |  | 0.080% | xxx | 7.750% | Yes |  | Not Employed |  |  |  |  |  | Foreign National |  |  |  | XXX |  |  |  |  | 1 | XXX | xxx |  |  |  |  |  |  | 0.00% | 0.00% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.740 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842093 |  |  |  | XXX | Yes |  | xxx | xxx | XXX | 6.879% | xxx | 6.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | xxx |  | xxx |  |  |  |  |  | 49.48% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7795 |  | 0.000% |  |  |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 910479 |  |  |  | XXX | Yes |  | xxx | xxx | XXX | 8.501% | xxx | 7.624% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | xxx |  | xxx |  |  |  |  |  | 32.01% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4600 |  | 0.000% |  |  |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 986405 |  |  |  | XXX | Yes |  |  | xxx | XXX |  | xxx | 7.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | xxx |  | xxx |  |  |  |  |  | 30.13% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** |  |  |
| 787336 |  | 787336 D B A | Closed | FCRE1333 | 2022-02-18 10:51 | 2022-02-18 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-02/18/2022 <br> Open-Borrower 1 WVOE Missing - Due Diligence Vendor-02/18/2022 <br> Open-Borrower 1 WVOE Missing Per guidelines, internet search is required for business verification. File contains Business license for B1 xxx however, no internet search in file. - Due Diligence Vendor-02/18/2022 |  | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-02/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 787336 |  | 787336 D B A | Closed | FCOM5135 | 2022-02-16 15:19 | 2022-02-16 15:19 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-02/16/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-02/16/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 115671 |  | 115671 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 886314 |  | 886314 D A | Closed | FCOM1274 | 2022-03-01 10:53 | 2022-03-01 16:19 | Resolved | 2 - Non-Material D B | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved- - Due Diligence Vendor-03/01/2022 <br>Ready for Review-Document Uploaded. Escrow waiver uploaded for review. - Seller-03/01/2022 <br>Open-Escrow Waiver is Missing - Due Diligence Vendor-02/24/2022 <br>Open-Escrow Waiver is Missing Escrow Waiver is Missing from File - Due Diligence Vendor-02/28/2022 | Ready for Review-Document Uploaded. Escrow waiver uploaded for review. - Seller-03/01/2022<br>|  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 235518 |  | 235518 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 324506 |  | 324506 D A | Closed | FVAL1310 | 2022-03-04 16:04 | 2022-06-16 14:19 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-Confirmed nominal annual fee is disclosed on sales contract, however title and valuation report do not indicate presence of a traditional HOA or consideration of subject as part of a PUD. Further, listings used in CDA confirm the majority of nearby comps contribute this same annual amount, thus confirmed not an atypical attribute in the neighborhood. Based on the above, further documentation is not required. - Due Diligence Vendor-03/07/2022 <br> Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/07/2022 <br> Ready for Review-Please see page xxx of the shipping package which reflects the HOA addendum of xxxr. - Seller-03/04/2022 <br> Open-HOA Questionnaire Document status is Missing. 1008 reflects HOA of xxx annually, no documents in file to support HOA fee. - Due Diligence Vendor-03/04/2022 | Ready for Review-Please see page 171 of the shipping package which reflects the HOA addendum of xxx. - Seller-03/04/2022 | Resolved-Confirmed nominal annual fee is disclosed on sales contract, however title and valuation report do not indicate presence of a traditional HOA or consideration of subject as part of a PUD. Further, listings used in CDA confirm the majority of nearby comps contribute this same annual amount, thus confirmed not an atypical attribute in the neighborhood. Based on the above, further documentation is not required. - Due Diligence Vendor-03/07/2022 <br>Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/07/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |
| 861460 |  | 861460 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 617291 |  | 617291 B A | Closed | FCOM5135 | 2022-03-03 11:49 | 2022-03-03 11:49 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/03/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/03/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 101759 |  | 101759 C B A | Closed | finding-47 | 2022-03-07 15:41 | 2022-03-08 11:50 | Resolved | 2 - Non-Material C B | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- \*\*\*received PCCD with updated reimbursement date. - Due Diligence Vendor-03/08/2022 <br> Ready for Review-Document Uploaded. PCCD documentation uploaded for review. - Seller-03/07/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*It appears that as of the final CD the disbursement date is xxx and does not adhere to the 3 day cooling period. Please provide proof of updated disbursement date - Due Diligence Vendor-03/07/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-03/02/2022 | Ready for Review-Document Uploaded. PCCD documentation uploaded for review. - Seller-03/07/2022<br>| Resolved- \*\*\*received PCCD with updated reimbursement date. - Due Diligence Vendor-03/08/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 101759 |  | 101759 C B A | Closed | FCOM5135 | 2022-03-02 13:27 | 2022-03-07 10:14 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/02/2022 <br>Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-03/07/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/02/2022 <br>Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-03/07/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 398437 |  | 398437 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 627736 |  | 627736 C B A | Closed | FCRE1204 | 2022-03-07 16:41 | 2022-03-07 17:07 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Alerts cleared - Due Diligence Vendor-03/07/2022 <br>Ready for Review-Document Uploaded. Final fraud guard uploaded for review. - Seller-03/07/2022 <br>Open-Fraud Report Shows Uncleared Alerts High impact alerts not cleared - Due Diligence Vendor-03/07/2022 | Ready for Review-Document Uploaded. Final fraud guard uploaded for review. - Seller-03/07/2022<br>| Resolved-Alerts cleared - Due Diligence Vendor-03/07/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 627736 |  | 627736 C B A | Closed | FCOM5135 | 2022-03-03 13:54 | 2022-03-03 13:54 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/03/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/03/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 857726 |  | 857726 B A | Closed | FCOM5135 | 2022-03-04 15:41 | 2022-03-08 11:00 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/04/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/04/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |
| 446305 |  | 446305 C B A | Closed | FCRE1204 | 2022-03-09 12:57 | 2022-03-09 13:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report provided confirming all alerts have been cleared. Asset account statement in file reflects the subject address and SS trace validates details as identified on application. - Due Diligence Vendor-03/09/2022 <br>Ready for Review-Document Uploaded. Final fraud guard uploaded for review. - Seller-03/09/2022 <br>Open-Fraud Report Shows Uncleared Alerts High impact variances not cleared - Due Diligence Vendor-03/09/2022 | Ready for Review-Document Uploaded. Final fraud guard uploaded for review. - Seller-03/09/2022<br>| Resolved-Updated Fraud Report provided confirming all alerts have been cleared. Asset account statement in file reflects the subject address and SS trace validates details as identified on application. - Due Diligence Vendor-03/09/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 446305 |  | 446305 C B A | Closed | FCOM5135 | 2022-03-08 18:33 | 2022-03-09 10:52 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/08/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/08/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 609477 |  | 609477 B A | Closed | FCOM5135 | 2022-03-09 14:48 | 2022-03-09 14:48 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-03/09/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-03/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 448635 |  | 448635 C B A | Closed | finding-3732 | 2022-03-22 08:47 | 2022-03-22 12:00 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Received explanation and Correct Final CD issued by lender - Due Diligence Vendor-03/22/2022 <br> Ready for Review-The CD initially submitted is not a CEL CD, there is no date issued and was not part of the CEL closing package, this is denoted at the bottom as it was not generated by DocMagic. - Seller-03/22/2022 <br> Counter-PCCD has an issued date of xxx - same day of consummation. Lender to confirm the issued date of the PCCD. Confirm if restitution for the understated finance charge of xxx was provided. Missing copy of the refund check, LOE, and proof of delivery of the refund. - Due Diligence Vendor-03/22/2022 <br> Ready for Review-Confirming that this is the CEL consummate CD provided to the borrower post consummation. - Seller-03/21/2022 <br> Counter-Received Closing Disclosure issued xxx, e-signed by borrower xxx. Lender to confirm if this is a Post Consummation Closing Disclosure. - Due Diligence Vendor-03/21/2022 <br> Ready for Review-Document Uploaded. The CEL consummate CD uploaded for review. - Seller-xxx<br> Open-Need breakdown of Lenders included APR fees to compare included finance charges. Loan is failing by $xxx. - Due Diligence Vendor-03/11/2022 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.38(o)(1))The total of payments is $xxx. The disclosed total of payments of $xxx is not considered accurate because it is understated by more than $xxx. - Due Diligence Vendor-03/11/2022 | Ready for Review-The CD initially submitted is not a CEL CD, there is no date issued and was not part of the CEL closing package, this is denoted at the bottom as it was not generated by DocMagic. - Seller-03/22/2022 <br>Ready for Review-Confirming that this is the CEL consummate CD provided to the borrower post consummation. - Seller-03/21/2022 <br>Ready for Review-Document Uploaded. The CEL consummate CD uploaded for review. - Seller-03/18/2022<br>| Resolved-Received explanation and Correct Final CD issued by lender - Due Diligence Vendor-03/22/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 448635 |  | 448635 C B A | Closed | finding-651 | 2022-03-22 08:48 | 2022-03-22 12:00 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Received explanation and Correct Final CD issued by lender - Due Diligence Vendor-03/22/2022 <br> Ready for Review-The CD initially submitted is not a CEL CD, there is no date issued and was not part of the CEL closing package, this is denoted at the bottom as it was not generated by DocMagic. - Seller-03/22/2022 <br> Counter-PCCD has an issued date of xxx - same day of consummation. Lender to confirm the issued date of the PCCD. Confirm if restitution for the understated finance charge of xxx was provided. Missing copy of the refund check, LOE, and proof of delivery of the refund. - Due Diligence Vendor-03/22/2022 <br> Ready for Review-Confirming that this is the CEL consummate CD provided to the borrower post consummation. - Seller-xxx <br> Counter-Received Closing Disclosure issued xxx e-signed by borrower xxx. Lender to confirm if this is a Post Consummation Closing Disclosure. - Due Diligence Vendor-03/21/2022 <br> Ready for Review-Document Uploaded. The CEL consummate CD uploaded for review. - Seller-xxx <br> Open-Need breakdown of Lenders included APR fees to compare included finance charges. Loan is failing by xxx. - Due Diligence Vendor-xxx<br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than $xxx. - Due Diligence Vendor-03/11/2022 | Ready for Review-The CD initially submitted is not a CEL CD, there is no date issued and was not part of the CEL closing package, this is denoted at the bottom as it was not generated by DocMagic. - Seller-03/22/2022 <br>Ready for Review-Confirming that this is the CEL consummate CD provided to the borrower post consummation. - Seller-03/21/2022 <br>Ready for Review-Document Uploaded. The CEL consummate CD uploaded for review. - Seller-03/18/2022<br>| Resolved-Received explanation and Correct Final CD issued by lender - Due Diligence Vendor-03/22/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 448635 |  | 448635 C B A | Closed | FCOM5135 | 2022-03-11 09:49 | 2022-03-11 09:49 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/11/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 729687 |  | 729687 B A | Closed | FCOM5135 | 2022-03-11 14:41 | 2022-03-11 14:41 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-03/11/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-03/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 403324 |  | 403324 C B A | Closed | FCRE1204 | 2022-03-11 17:56 | 2022-03-13 15:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report provided with all items addressed. - Due Diligence Vendor-03/13/2022 <br>Ready for Review-Document Uploaded. Final fraud guard report uploaded for review. - Seller-03/11/2022 <br>Open-Fraud Report Shows Uncleared Alerts High impact not cleared - Due Diligence Vendor-03/11/2022 | Ready for Review-Document Uploaded. Final fraud guard report uploaded for review. - Seller-03/11/2022<br>| Resolved-Updated Fraud Report provided with all items addressed. - Due Diligence Vendor-03/13/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 403324 |  | 403324 C B A | Closed | FCOM5135 | 2022-03-11 12:22 | 2022-03-11 15:19 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/11/2022 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/11/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 606879 |  | 606879 B A | Closed | FCOM5135 | 2022-03-11 14:13 | 2022-03-14 08:37 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing Missing from file.\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/11/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing Missing from file.\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 420418 |  | 420418 D B A | Closed | FCRE6019 | 2022-03-09 15:49 | 2022-06-15 13:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/15/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-03/09/2022 |  | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/15/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.94% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.6397058823529411<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 39 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 420418 |  | 420418 D B A | Closed | FCOM5135 | 2022-03-11 14:15 | 2022-03-11 14:15 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/11/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/11/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.94% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.6397058823529411<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 39 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 250839 |  | 250839 B A | Closed | FCOM5135 | 2022-03-10 09:58 | 2022-03-10 15:26 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/10/2022 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/10/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/10/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 405351 |  | 405351 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 560030 |  | 560030 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |
| 635478 |  | 635478 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 825949 |  | 825949 B A | Closed | FCOM5135 | 2022-03-15 10:15 | 2022-03-17 08:17 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-03/17/2022 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/15/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-03/17/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 897884 |  | 897884 B A | Closed | FCOM5135 | 2022-03-17 08:44 | 2022-03-17 08:44 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/17/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/17/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 679183 |  | 679183 B A | Closed | FCOM5135 | 2022-03-17 12:36 | 2022-03-17 12:36 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/17/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/17/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 166696 |  | 166696 B A | Closed | FCOM5135 | 2022-03-17 14:17 | 2022-03-17 14:18 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Rescinded-Required Affiliated Business Disclosure Missing \*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-03/17/2022 <br>Rescinded-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/17/2022 |  | Rescinded-Required Affiliated Business Disclosure Missing \*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-03/17/2022 <br>Rescinded-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/17/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 328064 |  | 328064 D A | Closed | FCRE1503 | 2022-03-18 14:22 | 2022-03-18 15:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved- - Due Diligence Vendor-03/18/2022 <br> Ready for Review-Conversion calculator and final 1008 uploaded. - Seller-03/18/2022 <br> Open-Missing mortgage conversion for Primary Residence at xxxx. Final 1003 reflects mortgage with xxx of $xxx monthly. Mortgage statement in file is not is US Dollars. - Due Diligence Vendor-03/16/2022 | Ready for Review-Conversion calculator and final 1008 uploaded. - Seller-03/18/2022<br>|  |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 266362 |  | 266362 B A | Closed | FCOM5135 | 2022-03-16 14:08 | 2022-03-16 14:08 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-03/16/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-03/16/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 621701 |  | 621701 D A | Closed | FPRO1242 | 2022-03-17 19:44 | 2022-03-18 16:46 | Resolved | 1 - Information A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/18/2022 <br>Open-Desk review is missing from file - Due Diligence Vendor-03/17/2022 |  | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 621701 |  | 621701 D A | Closed | FPRO1244 | 2022-03-18 13:06 | 2022-03-18 15:40 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-03/18/2022 <br> Ready for Review-Per loan program guidelines section 13.2, 5th bullet point, "CU score of xxx or lower, no further review required per the chart - Purchase <=xxx% LTV". This is a purchase transaction with an LTV of xxx%, the SSR/CU denoting a score of xxx was provided in the initial shipping package on pages xxx per requirements. - Seller-03/18/2022 <br> Open-Desk review is missing. Desk review ordered - Due Diligence Vendor-03/18/2022 | Ready for Review-Per loan program guidelines section 13.2, 5th bullet point, "CU score of xxx or lower, no further review required per the chart - Purchase <=xxx% LTV". This is a purchase transaction with an LTV of xxx%, the SSR/CU denoting a score of xxx was provided in the initial shipping package on pages 59-60, per requirements. - Seller-03/18/2022 |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 277038 |  | 277038 D A | Closed | finding-47 | 2022-03-22 14:31 | 2022-03-22 15:12 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- Received PCCD - Due Diligence Vendor-03/22/2022 <br> Ready for Review-Document Uploaded. PCCD documentation uploaded. - Seller-03/22/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Right of Rescission is Missing Right to Cancel Missing from file. Closing date moved from xxx to xxx No PCCD of ROC in file - Due Diligence Vendor-03/21/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-03/19/2022 | Ready for Review-Document Uploaded. PCCD documentation uploaded. - Seller-03/22/2022<br>| Resolved- Received PCCD - Due Diligence Vendor-03/22/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 277038 |  | 277038 D A | Closed | FCOM1262 | 2022-03-22 11:30 | 2022-03-22 15:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-NORTC received - Due Diligence Vendor-03/22/2022 <br> Ready for Review-Document Uploaded. Notice of Right to Cancel re-uploaded. - Seller-03/22/2022 <br> Counter-Unable to open the appended document. Please re-upload. - Due Diligence Vendor-03/22/2022 <br> Ready for Review-Document Uploaded. Notice of Right to Cancel uploaded. - Seller-03/21/2022 <br> Open-Right of Rescission is Missing Right to Cancel Missing from file. Closing date moved from xxx. No PCCD of ROC in file - Due Diligence Vendor-03/21/2022 | Ready for Review-Document Uploaded. Notice of Right to Cancel re-uploaded. - Seller-03/22/2022 <br>Ready for Review-Document Uploaded. Notice of Right to Cancel uploaded. - Seller-03/21/2022<br>| Resolved-NORTC received - Due Diligence Vendor-03/22/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 503672 |  | 503672 A B | Closed | FPRO868 | 2022-07-06 21:28 | 2022-07-06 21:30 | Acknowledged | 2 - Non-Material A B | Property | Third Party Valuation | Desk Review Value(s) Do Not Adhere To Tolerance Criteria | Acknowledged-Desk review value was known pre-closing and originator based LTV on the lowest of all values which was the Desk Review value. - Due Diligence Vendor-07/07/2022 |  | Acknowledged-Desk review value was known pre-closing and originator based LTV on the lowest of all values which was the Desk Review value. - Due Diligence Vendor-07/07/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| 459718 |  | 459718 B A | Closed | FCOM5135 | 2022-03-24 10:45 | 2022-03-24 15:26 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/24/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/24/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 582371 |  | 582371 C A | Closed | finding-3632 | 2022-03-28 09:18 | 2022-03-28 11:42 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- Received COC. - Due Diligence Vendor-03/28/2022 <br>Ready for Review-Document Uploaded. COC and revised CD uploaded. - Seller-03/28/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Discount points increased of Final CD. no COC or PCCD addressing fee increase - Due Diligence Vendor-03/24/2022 | Ready for Review-Document Uploaded. COC and revised CD uploaded. - Seller-03/28/2022<br>| Resolved- Received COC. - Due Diligence Vendor-03/28/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 582371 |  | 582371 C A | Closed | finding-3631 | 2022-03-28 09:18 | 2022-03-28 11:42 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- Received COC. - Due Diligence Vendor-03/28/2022 <br>Ready for Review-Document Uploaded. COC and revised CD uploaded. - Seller-03/28/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Discount points increased of Final CD. no COC or PCCD addressing fee increase - Due Diligence Vendor-03/24/2022 | Ready for Review-Document Uploaded. COC and revised CD uploaded. - Seller-03/28/2022<br>| Resolved- Received COC. - Due Diligence Vendor-03/28/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 582371 |  | 582371 C A | Closed | finding-3634 | 2022-03-28 09:18 | 2022-03-28 11:42 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved- Received COC. - Due Diligence Vendor-03/28/2022 <br> Ready for Review-Document Uploaded. COC and revised CD uploaded. - Seller-03/28/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Discount points increased of Final CD. no COC or PCCD addressing fee increase - Due Diligence Vendor-03/24/2022 | Ready for Review-Document Uploaded. COC and revised CD uploaded. - Seller-03/28/2022<br>| Resolved- Received COC. - Due Diligence Vendor-03/28/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 447156 |  | 447156 B A | Closed | FCOM5135 | 2022-03-28 13:43 | 2022-03-29 16:01 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-03/29/2022 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/28/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-03/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 380304 |  | 380304 B A | Closed | FCOM5135 | 2022-03-30 11:06 | 2022-03-30 16:32 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/30/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/30/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 664063 |  | 664063 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 814114 |  | 814114 D B A | Closed | FCRE3466 | 2022-04-01 16:54 | 2022-04-04 08:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Resolved-Condo Project Master Insurance Policy provided at resubmission. - Due Diligence Vendor-04/04/2022 <br>Ready for Review-Document Uploaded. Master policy uploaded. - Seller-04/01/2022 <br>Open- - Due Diligence Vendor-04/01/2022 | Ready for Review-Document Uploaded. Master policy uploaded. - Seller-04/01/2022<br>| Resolved-Condo Project Master Insurance Policy provided at resubmission. - Due Diligence Vendor-04/04/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 814114 |  | 814114 D B A | Closed | FCRE1173 | 2022-03-31 13:31 | 2022-04-04 08:48 | Resolved | 1 - Information A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-Condo Project Master Insurance Policy provided at resubmission. - Due Diligence Vendor-04/04/2022 <br>Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-04/01/2022 <br>Open- - Due Diligence Vendor-03/31/2022 |  | Resolved-Condo Project Master Insurance Policy provided at resubmission. - Due Diligence Vendor-04/04/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 814114 |  | 814114 D B A | Closed | FCOM5135 | 2022-03-31 16:12 | 2022-04-01 16:22 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-04/01/2022 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/31/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-04/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 483998 |  | 483998 B A | Closed | FCOM5135 | 2022-03-31 17:22 | 2022-04-04 13:16 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/31/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/31/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |
| 172565 |  | 172565 C B A | Closed | FCRE1479 | 2022-04-04 16:12 | 2022-04-04 16:53 | Acknowledged | 2 - Non-Material C B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Acknowledged-Investor Exception issued for gift funds contributed above max allowable for program. - Due Diligence Vendor-04/04/2022 <br> Ready for Review-An approved exception was provided in the initial shipping package as noted in the comment, please advise. - Seller-04/04/2022 <br> Open-Exception Request Form in file, approved (page xxx). Exception granted by xxxfor < 1% gift funds for closing remains is borrower own funds. - Due Diligence Vendor-04/04/2022 | Ready for Review-An approved exception was provided in the initial shipping package as noted in the comment, please advise. - Seller-04/04/2022<br>| Acknowledged-Investor Exception issued for gift funds contributed above max allowable for program. - Due Diligence Vendor-04/04/2022<br>|  | FICO +20 points above minimum; SRI 5% below max; 5+ years' business ownership'; LTV below max by 10% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 208059 |  | 208059 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 687026 |  | 687026 C A | Closed | FCRE1348 | 2022-04-06 14:25 | 2022-04-07 12:47 | Resolved | 1 - Information A | Credit | Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 2 Total Years Employment Verified is Greater Than or Equal To xxx Months or Not Applicable (Number of Borrowers equals xxx) - Due Diligence Vendor-04/06/2022 <br> Rescinded-Borrower 2 Total Years Employment Verified is Less Than xxx Months - Due Diligence Vendor-04/06/2022 |  | Resolved-Borrower 2 Total Years Employment Verified is Greater Than or Equal To 24 Months or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/06/2022 <br>Rescinded-Borrower 2 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-04/06/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 687026 |  | 687026 C A | Closed | FCRE1317 | 2022-04-06 14:25 | 2022-04-07 12:47 | Resolved | 1 - Information A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To xxx Months - Due Diligence Vendor-04/06/2022 <br> Rescinded-Borrower 1 Total Years Employment Verified is Less Than xxx Months - Due Diligence Vendor-04/06/2022 |  | Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-04/06/2022 <br>Rescinded-Borrower 1 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-04/06/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 687026 |  | 687026 C A | Closed | FCRE1159 | 2022-04-05 12:14 | 2022-04-06 11:59 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is equal to the Disbursement Date of xxx per PCCD provided- item resolved as no true gap present. - Due Diligence Vendor-04/06/2022 <br> Ready for Review-Document Uploaded. PCCD documentation uploaded. - Seller-04/05/2022 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-04/01/2022 | Ready for Review-Document Uploaded. PCCD documentation uploaded. - Seller-04/05/2022<br>| Resolved-Hazard Insurance Effective Date of xxx is equal to the Disbursement Date of xxxx per PCCD provided- item resolved as no true gap present. - Due Diligence Vendor-04/06/2022 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 373767 |  | 373767 C A | Closed | FCRE1176 | 2022-04-05 12:59 | 2022-04-06 12:23 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved- - Due Diligence Vendor-04/06/2022 <br> Ready for Review-Document Uploaded. PCCD documentation uploaded. - Seller-04/05/2022 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-04/04/2022 | Ready for Review-Document Uploaded. PCCD documentation uploaded. - Seller-04/05/2022<br>|  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 618410 |  | 618410 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 414653 |  | 414653 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 367265 |  | 367265 B A | Closed | FCOM5135 | 2022-04-05 09:44 | 2022-04-05 11:53 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-04/05/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-04/05/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 733349 |  | 733349 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 226328 |  | 226328 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 122358 |  | 122358 C A | Closed | FPRO1136 | 2022-04-15 09:21 | 2022-04-18 13:11 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved- - Due Diligence Vendor-04/18/2022 <br> Ready for Review-Document Uploaded. Proof of repair completion uploaded for review. - Seller-04/15/2022 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis Appraisal dated xxx is completed subject to Installing water heater downspout pipe. File is missing xxx completion report. - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. Proof of repair completion uploaded for review. - Seller-04/15/2022<br>|  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 122358 |  | 122358 C A | Closed | FCRE1159 | 2022-04-07 16:40 | 2022-04-11 09:45 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Per revised Hazard Insurance Policy, new Effective Date of xxx is equal to the Disbursement Date of xxx. - Due Diligence Vendor-04/11/2022 <br> Ready for Review-Document Uploaded. Updated HOI and PCCD documentation uploaded. - Seller-04/07/2022 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. Updated HOI and PCCD documentation uploaded. - Seller-04/07/2022<br>| Resolved-Per revised Hazard Insurance Policy, new Effective Date of xxx is equal to the Disbursement Date of xxx. - Due Diligence Vendor-04/11/2022 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 896925 |  | 896925 B A | Closed | FVAL5981 | 2022-04-08 11:33 | 2022-04-08 11:33 | Acknowledged | 2 - Non-Material B | Property | Property Issue | Property Type does not meet eligibility requirement(s) | Acknowledged-Exception Request Form in file, approved (Bulletin Board upload). Exception granted by xxx to allow Hybrid appraisal for rural property. - Due Diligence Vendor-04/08/2022 |  | Acknowledged-Exception Request Form in file, approved (Bulletin Board upload). Exception granted by xxx to allow Hybrid appraisal for rural property. - Due Diligence Vendor-04/08/2022 |  | FICO 20+ points; DTI 5% below max; PITIA reserves above min by 6 months; |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 896925 |  | 896925 B A | Closed | FCOM5135 | 2022-04-07 15:41 | 2022-04-07 15:41 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-04/07/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-04/07/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 865045 |  | 865045 D A | Closed | FCOM8844 | 2022-04-12 10:30 | 2022-04-12 12:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved- - Due Diligence Vendor-04/12/2022 <br> Ready for Review-This loan was submitted for compliance and credit review, the loan was disclosed according to regulatory requirements. An LOE is not required from the borrower. Moreover, the xxx indicated "Borrower's intent is to purchase another primary residence with proceeds". - Seller-04/12/2022 <br> Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). - Due Diligence Vendor-04/12/2022 | Ready for Review-This loan was submitted for compliance and credit review, the loan was disclosed according to regulatory requirements. An LOE is not required from the borrower. Moreover, the 1008 indicated "Borrower's intent is to purchase another primary residence with proceeds". - Seller-04/12/2022<br>|  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 826378 |  | 826378 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 621086 |  | 621086 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 905755 |  | 905755 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 896615 |  | 896615 C B A | Closed | FCRE1159 | 2022-04-14 12:47 | 2022-04-15 09:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved- - Due Diligence Vendor-04/15/2022 <br> Ready for Review-Document Uploaded. PCCD documentation uploaded. Please note that the updated HOI policy reflecting the xxx effective date was provided in the initial shipping package pages xxx. - Seller-04/14/2022 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-04/12/2022 | Ready for Review-Document Uploaded. PCCD documentation uploaded. Please note that the updated HOI policy reflecting the xxx effective date was provided in the initial shipping package pages xxx. - Seller-04/14/2022 |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 896615 |  | 896615 C B A | Closed | FCOM5135 | 2022-04-14 08:51 | 2022-04-14 08:51 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-04/14/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-04/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 938351 |  | 938351 B A | Closed | FCOM5135 | 2022-04-12 13:44 | 2022-04-12 13:44 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-04/12/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-04/12/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 639561 |  | 639561 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 503578 |  | 503578 C A | Closed | FCRE1167 | 2022-04-15 16:13 | 2022-04-18 10:49 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/18/2022 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-04/15/2022 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/18/2022<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 137799 |  | 137799 C A | Closed | FCRE1167 | 2022-04-15 11:33 | 2022-04-18 10:53 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/18/2022 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-04/15/2022 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/18/2022<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 988106 |  | 988106 D A | Closed | FCOM9469 | 2022-05-05 11:34 | 2022-05-05 12:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Mortgage Missing required ARM Rider | Resolved-\*\*\*Received ARM Rider. - Due Diligence Vendor-05/05/2022 <br>Resolved-Adjustable Rate Rider is resolved - Due Diligence Vendor-05/05/2022 <br>Ready for Review-Document Uploaded. Corrected mortgage with ARM rider and intent to re-record email from attorney uploaded. - Seller-05/05/2022 <br>Open- - Due Diligence Vendor-04/18/2022 <br>Acknowledged-Deed of Trust is Missing Adjustable Rate Rider Rider not marked or provided - Due Diligence Vendor-04/18/2022 | Ready for Review-Document Uploaded. Corrected mortgage with ARM rider and intent to re-record email from attorney uploaded. - Seller-05/05/2022<br>| Resolved-\*\*\*Received ARM Rider. - Due Diligence Vendor-05/05/2022 <br>Resolved-Adjustable Rate Rider is resolved - Due Diligence Vendor-05/05/2022 <br>Acknowledged-Deed of Trust is Missing Adjustable Rate Rider Rider not marked or provided - Due Diligence Vendor-04/18/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 376393 |  | 376393 C A | Closed | FCRE1204 | 2022-04-19 11:49 | 2022-04-19 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Guard supplemental report provided. Finding resolved. - Due Diligence Vendor-04/19/2022 <br>Ready for Review-Document Uploaded. Fraud Guard supplemental report uploaded. - Seller-04/19/2022 <br>Open-Fraud Report Shows Uncleared Alerts High alerts are not cleared - Due Diligence Vendor-04/18/2022 | Ready for Review-Document Uploaded. Fraud Guard supplemental report uploaded. - Seller-04/19/2022<br>| Resolved-Fraud Guard supplemental report provided. Finding resolved. - Due Diligence Vendor-04/19/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 111515 |  | 111515 C A | Closed | FCRE1159 | 2022-04-19 18:10 | 2022-04-19 18:54 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved- - Due Diligence Vendor-04/19/2022 <br> Ready for Review-Document Uploaded. Updated hazard policy uploaded. - Seller-04/19/2022 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-04/18/2022 | Ready for Review-Document Uploaded. Updated hazard policy uploaded. - Seller-04/19/2022<br>|  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 269030 |  | 269030 C A | Closed | FCRE1167 | 2022-04-19 16:23 | 2022-04-19 18:59 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/19/2022 <br> Ready for Review-Document Uploaded. The HOI policy denotes replacement cost coverage, per xxx regulations an RCE cannot be provided, per xxx xxx this covers the replacement cost of the property. - Seller-04/19/2022 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-04/19/2022 | Ready for Review-Document Uploaded. The HOI policy denotes replacement cost coverage, per xxx regulations an RCE cannot be provided, per xxx this covers the replacement cost of the property. - Seller-04/19/2022 | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/19/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 269030 |  | 269030 C A | Closed | FCRE1204 | 2022-04-19 16:57 | 2022-04-19 18:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-all cleared - Due Diligence Vendor-04/19/2022 <br>Ready for Review-Document Uploaded. Please review subsequent Fraud Guard. - Seller-04/19/2022 <br>Open-Fraud Report Shows Uncleared Alerts High fraud alert is not cleared - Due Diligence Vendor-04/19/2022 | Ready for Review-Document Uploaded. Please review subsequent Fraud Guard. - Seller-04/19/2022<br>| Resolved-all cleared - Due Diligence Vendor-04/19/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 536543 |  | 536543 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 688711 |  | 688711 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 676914 |  | 676914 B A | Closed | FCOM5135 | 2022-04-21 12:44 | 2022-04-21 16:16 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-04/21/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-04/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 483137 |  | 483137 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 952594 |  | 952594 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 381940 |  | 381940 B A | Closed | FCOM5135 | 2022-04-22 11:41 | 2022-04-22 15:57 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-04/22/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-04/22/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 259416 |  | 259416 D B A | Closed | FCOM1266 | 2022-04-25 14:33 | 2022-04-26 14:08 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-\*\*\*Received Homeownership Counseling Disclosure - Due Diligence Vendor-04/26/2022 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/26/2022 <br>Ready for Review-Document Uploaded. Housing Counselor disclosure uploaded. - Seller-04/25/2022 <br>Open-Homeownership Counseling Disclosure Is Missing Home Ownership Counseling Disclosure if Missing from file - Due Diligence Vendor-04/25/2022 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/25/2022 | Ready for Review-Document Uploaded. Housing Counselor disclosure uploaded. - Seller-04/25/2022<br>| Resolved-\*\*\*Received Homeownership Counseling Disclosure - Due Diligence Vendor-04/26/2022 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/26/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 259416 |  | 259416 D B A | Closed | FCOM1797 | 2022-04-25 14:33 | 2022-04-26 14:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-\*\*\*Received Service provider list. - Due Diligence Vendor-04/26/2022 <br>Ready for Review-Document Uploaded. xxx uploaded for review. - Seller-04/25/2022 <br>Open-Service Provider List is Missing from file - Due Diligence Vendor-04/25/2022 | Ready for Review-Document Uploaded. xxx uploaded for review. - Seller-04/25/2022<br>| Resolved-\*\*\*Received Service provider list. - Due Diligence Vendor-04/26/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 259416 |  | 259416 D B A | Closed | FCOM5135 | 2022-04-25 10:46 | 2022-04-25 10:46 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-04/25/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-04/25/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 993696 |  | 993696 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 858579 |  | 858579 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 822484 |  | 822484 D A | Closed | FCOM1797 | 2022-04-26 13:15 | 2022-04-27 18:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Received xxx - Due Diligence Vendor-04/27/2022 <br>Ready for Review-Document Uploaded. xxx uploaded. - Seller-04/26/2022 <br>Open- - Due Diligence Vendor-04/26/2022 | Ready for Review-Document Uploaded. xxx uploaded. - Seller-04/26/2022<br>| Resolved-Received xxx - Due Diligence Vendor-04/27/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 822484 |  | 822484 D A | Closed | FCOM1266 | 2022-04-26 13:14 | 2022-04-27 17:51 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable. \*\*Received Homeownership Counseling Disclosure - Due Diligence Vendor-04/27/2022 <br>Ready for Review-Document Uploaded. Housing Counselors disclosure uploaded. - Seller-04/26/2022 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/26/2022 | Ready for Review-Document Uploaded. Housing Counselors disclosure uploaded. - Seller-04/26/2022<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable. \*\*Received Homeownership Counseling Disclosure - Due Diligence Vendor-04/27/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 530025 |  | 530025 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 570430 |  | 570430 C B A | Closed | FCRE1204 | 2022-04-29 08:56 | 2022-04-29 12:25 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2022 <br>Ready for Review-The fraud guard supplemental report was provided in the initial shipping package (page 644), which denotes all alerts were addressed. - Seller-04/29/2022 <br>Open-Fraud Report Shows Uncleared Alerts High alert is not cleared - Due Diligence Vendor-04/28/2022 | Ready for Review-The fraud guard supplemental report was provided in the initial shipping package (page xxx), which denotes all alerts were addressed. - Seller-04/29/2022 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 570430 |  | 570430 C B A | Closed | FCOM5135 | 2022-04-28 17:24 | 2022-04-28 17:24 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-04/28/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-04/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 942947 |  | 942947 B A | Closed | FCOM5135 | 2022-05-02 13:10 | 2022-05-02 13:10 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-05/02/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-05/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 993739 |  | 993739 D B A C | Closed | finding-3631 | 2022-05-02 17:58 | 2022-05-03 15:05 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- \*\*\*Received Revised CD issued xxx, Rate lock and Tracking. - Due Diligence Vendor-05/03/2022 <br> Ready for Review-Document Uploaded. Revised CD and tracking uploaded. - Seller-05/02/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Per COC in file on page xxx. The Points increased from $xxx to $xxx. Need copy of revised cd dated xxx showing fee increase. - Due Diligence Vendor-05/02/2022 | Ready for Review-Document Uploaded. Revised CD and tracking uploaded. - Seller-05/02/2022<br>| Resolved- \*\*\*Received Revised CD issued xxxx, Rate lock and Tracking. - Due Diligence Vendor-05/03/2022 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 993739 |  | 993739 D B A C | Closed | finding-3632 | 2022-05-02 17:58 | 2022-05-03 15:05 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- \*\*\*Received Revised CD issued xxx, Rate lock and Tracking. - Due Diligence Vendor-05/03/2022 <br> Ready for Review-Document Uploaded. Revised CD and tracking uploaded. - Seller-05/02/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Per COC in file on page xxx. The Points increased from $xxx to $xxx. Need copy of revised cd dated xxx showing fee increase. - Due Diligence Vendor-05/02/2022 | Ready for Review-Document Uploaded. Revised CD and tracking uploaded. - Seller-05/02/2022<br>| Resolved- \*\*\*Received Revised CD issued xxx, Rate lock and Tracking. - Due Diligence Vendor-05/03/2022 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 993739 |  | 993739 D B A C | Closed | finding-3634 | 2022-05-02 17:58 | 2022-05-03 15:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved- \*\*\*Received Revised CD issued xxx, Rate lock and Tracking. - Due Diligence Vendor-05/03/2022 <br> Ready for Review-Document Uploaded. Revised CD and tracking uploaded. - Seller-05/02/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Per COC in file on page xxx. The Points increased from $xxx to $xxx. Need copy of revised cd dated 4/22/2022 showing fee increase. - Due Diligence Vendor-05/02/2022 | Ready for Review-Document Uploaded. Revised CD and tracking uploaded. - Seller-05/02/2022<br>| Resolved- \*\*\*Received Revised CD issued xxx, Rate lock and Tracking. - Due Diligence Vendor-05/03/2022 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 993739 |  | 993739 D B A C | Closed | FPRO1242 | 2022-05-02 17:57 | 2022-05-03 11:05 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/03/2022 <br> Ready for Review-The Hybrid Appraisal report was provided within the initial shipping package located on pages xxx. - Seller-05/02/2022 <br> Open- - Due Diligence Vendor-05/02/2022 | Ready for Review-The Hybrid Appraisal report was provided within the initial shipping package located on pages 20-43. - Seller-05/02/2022<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/03/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 993739 |  | 993739 D B A C | Closed | FCOM5135 | 2022-05-02 17:14 | 2022-05-02 17:14 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-05/02/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-05/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 726217 |  | 726217 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 788230 |  | 788230 C A | Closed | finding-47 | 2022-05-03 15:05 | 2022-05-04 15:00 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- Received PCCD. - Due Diligence Vendor-05/04/2022 <br> Ready for Review-Document Uploaded. PCCD documentation uploaded. - Seller-05/03/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. closing date was moved from xxx to xxx. Need final settlement statement showing disbursement of XXX or later. - Due Diligence Vendor-05/03/2022 | Ready for Review-Document Uploaded. PCCD documentation uploaded. - Seller-05/03/2022<br>| Resolved- Received PCCD. - Due Diligence Vendor-05/04/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 970470 |  | 970470 C A | Closed | FCRE1159 | 2022-05-03 15:19 | 2022-05-04 11:13 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/04/2022 <br> Ready for Review-Document Uploaded. HOI with updated xxx effective date uploaded. - Seller-05/03/2022 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-05/03/2022 | Ready for Review-Document Uploaded. HOI with updated xxx effective date uploaded. - Seller-05/03/2022 | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/04/2022 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 859584 |  | 859584 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 720217 |  | 720217 C A | Closed | finding-3652 | 2022-05-04 10:42 | 2022-05-04 16:54 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- Received Revised CD - Due Diligence Vendor-05/04/2022 <br> Ready for Review-Document Uploaded. Revised CD uploaded. - Seller-05/04/2022 <br> Open-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 ($211.20) does not exceed or equal the comparable sum of specific and non-specific lender credits ($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). \*\*\*It appears that the Closing Disclosure issued on xxx with the decrease in Lender Credits is not in the file. Need copy of xxx cd - Due Diligence Vendor-05/03/2022 | Ready for Review-Document Uploaded. Revised CD uploaded. - Seller-05/04/2022<br>| Resolved- Received Revised CD - Due Diligence Vendor-05/04/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |
| 903945 |  | 903945 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 299003 |  | 299003 D B A | Closed | FCOM8844 | 2022-05-05 08:59 | 2022-05-05 11:38 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Acknowledged-Due to no Evidence in the loan file to determine purpose of use of proceeds a full compliance review was conducted. Subject loan does not violate any applicable regulatory compliance obligations. (Non-QM based on loan features, reviewed as consumer purpose). Finding Acknowledged. - Due Diligence Vendor-05/05/2022 <br>Ready for Review-§ 1026.43 is a determination of QM requirements, this is a Non-QM loan program, fully disclosed in accordance with regulatory requirements, not a business purpose transaction. - Seller-05/05/2022 <br>Counter-The file does not contain an explanation for how the funds to the buyer will be used. It is necessary for us to obtain an explanation from the buyer or the lender in order to determine the proper QM designation. Please see § 1026.43. - Due Diligence Vendor-05/04/2022 <br>Ready for Review-This is a fully disclosed transaction in accordance with regulatory requirements, not a business purpose transaction. Please provide the regulation that requires the explanation of use of funds. - Seller-05/04/2022 <br>Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized. - Due Diligence Vendor-05/04/2022 <br>Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized. - Due Diligence Vendor-05/04/2022 | Ready for Review-§ 1026.43 is a determination of QM requirements, this is a Non-QM loan program, fully disclosed in accordance with regulatory requirements, not a business purpose transaction. - Seller-05/05/2022 <br>Ready for Review-This is a fully disclosed transaction in accordance with regulatory requirements, not a business purpose transaction. Please provide the regulation that requires the explanation of use of funds. - Seller-05/04/2022<br>| Acknowledged-Due to no Evidence in the loan file to determine purpose of use of proceeds a full compliance review was conducted. Subject loan does not violate any applicable regulatory compliance obligations. (Non-QM based on loan features, reviewed as consumer purpose). Finding Acknowledged. - Due Diligence Vendor-05/05/2022<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 217968 |  | 217968 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 236399 |  | 236399 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 209905 |  | 209905 D A C | Closed | finding-3545 | 2022-05-12 12:14 | 2022-05-12 14:40 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved- \*\*\*Received revised cd issued 4/28/22. - Due Diligence Vendor-05/12/2022 <br> Ready for Review-Document Uploaded. Please review uploaded CD & Tracking to clear finding. - Seller-05/12/2022 <br> Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). \*\*\*\*it appears per coc in file that file is missing a revised disclosure dated xxx. the coc covers fee increase for discount points reflected on final cd . coc added to final cd to cover fee increase, but is not valid do to coc being dated xxxx - Due Diligence Vendor-05/11/2022 <br> Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-05/11/2022 | Ready for Review-Document Uploaded. Please review uploaded CD & Tracking to clear finding. - Seller-05/12/2022<br>| Resolved- \*\*\*Received revised cd issued xxx. - Due Diligence Vendor-05/12/2022 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| 209905 |  | 209905 D A C | Closed | FCRE2109 | 2022-05-12 11:53 | 2022-05-12 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender worksheet provided matching amount used per final 1008 in file. - Due Diligence Vendor-05/12/2022 <br>Ready for Review-Document Uploaded. Please review uploaded Income Calculator. - Seller-05/12/2022 <br>Open- - Due Diligence Vendor-05/11/2022 | Ready for Review-Document Uploaded. Please review uploaded Income Calculator. - Seller-05/12/2022<br>| Resolved-Lender worksheet provided matching amount used per final 1008 in file. - Due Diligence Vendor-05/12/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| 495582 |  | 495582 D A | Closed | FCOM1797 | 2022-05-13 15:42 | 2022-05-16 07:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-\*\*\*Received xxx. - Due Diligence Vendor-05/16/2022 <br>Ready for Review-Document Uploaded. xxx uploaded - Seller-05/13/2022 <br>Open-Service Providers List not located in file - Due Diligence Vendor-05/13/2022 | Ready for Review-Document Uploaded. xxx uploaded - Seller-05/13/2022<br>| Resolved-\*\*\*Received xxx. - Due Diligence Vendor-05/16/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |
| 459327 |  | 459327 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 678372 |  | 678372 D A | Closed | FVAL1310 | 2022-05-18 12:47 | 2022-05-18 15:21 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-\*\*\*Received Condo Questionnaire - Due Diligence Vendor-05/18/2022 <br>Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/18/2022 <br>Ready for Review-Document Uploaded. Condo Cert uploaded. - Seller-05/18/2022 <br>Open-HOA Questionnaire Document status is Missing. Missing HOA Questionnaire for non-warrantable Condo. - Due Diligence Vendor-05/16/2022 | Ready for Review-Document Uploaded. Condo Cert uploaded. - Seller-05/18/2022<br>| Resolved-\*\*\*Received Condo Questionnaire - Due Diligence Vendor-05/18/2022 <br>Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/18/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 449304 |  | 449304 B A | Closed | FCOM5135 | 2022-05-17 17:38 | 2022-05-18 09:45 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved- - Due Diligence Vendor-05/18/2022 <br> Ready for Review-The xxx was provided in the initial shipping package (pages xxx), this clearly denotes that there is no affiliated business arrangement with xxx - Settlement Agent/Title therefore an Affiliated Business Disclosure would not be required. - Seller-05/17/2022 <br> Open-Required Affiliated Business Disclosure Missing \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*It appears the Affiliated Business Disclosure was not located in file\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* - Due Diligence Vendor-05/17/2022 | Ready for Review-The xxx was provided in the initial shipping package (pages 393-394), this clearly denotes that there is no affiliated business arrangement with xxx - Settlement Agent/Title therefore an Affiliated Business Disclosure would not be required. - Seller-05/17/2022 |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |
| 132090 |  | 132090 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 362357 |  | 362357 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 903639 |  | 903639 C B A | Closed | finding-3652 | 2022-05-20 15:08 | 2022-05-23 11:09 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*\*Received COC with date of change 3/25/2022. - Due Diligence Vendor-05/23/2022 <br> Ready for Review-Document Uploaded. COC uploaded. - Seller-05/20/2022 <br> Open-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 ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($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). - Due Diligence Vendor-05/19/2022 <br> Open-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 ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($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). \*\*\*\*\*Missing COC for decrease in lender credits on Revised CD dated 3/28/2022. Possibly a lock extension COC. - Due Diligence Vendor-05/19/2022 | Ready for Review-Document Uploaded. COC uploaded. - Seller-05/20/2022<br>| Resolved-\*\*\*Received COC with date of change xxx. - Due Diligence Vendor-05/23/2022 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 903639 |  | 903639 C B A | Closed | FPRO1244 | 2022-05-19 14:11 | 2022-05-19 17:59 | Acknowledged | 2 - Non-Material B | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Acknowledged-CDA Not Provided and CDA Needed - Due Diligence Vendor-05/19/2022 |  | Acknowledged-CDA Not Provided and CDA Needed - Due Diligence Vendor-05/19/2022<br>|  | PITIA reserves above min by 6 months; 5+ Years on job ; 5 Years in subject property; 5 Years business Ownership |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 829833 |  | 829833 B A | Closed | FCOM5135 | 2022-05-20 13:12 | 2022-05-20 13:12 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-05/20/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-05/20/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 967141 |  | 967141 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 541454 |  | 541454 D A | Closed | FCOM1231 | 2022-05-20 15:13 | 2022-05-20 15:38 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/20/2022 <br>Ready for Review-Document Uploaded. Initial 1003 uploaded. - Seller-05/20/2022 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-05/20/2022 | Ready for Review-Document Uploaded. Initial 1003 uploaded. - Seller-05/20/2022<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/20/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 564404 |  | 564404 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 568499 |  | 568499 C B A | Closed | finding-3652 | 2022-06-06 14:55 | 2022-06-06 16:18 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC - Due Diligence Vendor-06/06/2022 <br> Ready for Review-Document Uploaded. COC and CD uploaded. - Seller-06/06/2022 <br> Open-Lender credits that cannot decrease fail is due to lack of coc for the final cd. - Due Diligence Vendor-06/06/2022 <br> Open-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). - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. COC and CD uploaded. - Seller-06/06/2022<br>| Resolved-Received COC - Due Diligence Vendor-06/06/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 568499 |  | 568499 C B A | Closed | finding-3631 | 2022-06-06 14:55 | 2022-06-06 16:14 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received COC - Due Diligence Vendor-06/06/2022 <br>Ready for Review-Document Uploaded. COC and CD uploaded. - Seller-06/06/2022 <br>Open-\*\*\*\*\*Increases in Loan Amount (Points) and Transfer Taxes, as well as a decrease in lender credits on the Final CD without accompanying COC(s). - Due Diligence Vendor-06/06/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. COC and CD uploaded. - Seller-06/06/2022<br>| Resolved-Received COC - Due Diligence Vendor-06/06/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 568499 |  | 568499 C B A | Closed | finding-3632 | 2022-06-06 14:55 | 2022-06-06 16:14 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received COC - Due Diligence Vendor-06/06/2022 <br>Ready for Review-Document Uploaded. COC and CD uploaded. - Seller-06/06/2022 <br>Open-\*\*\*\*\*Increases in Loan Amount (Points) and Transfer Taxes, as well as a decrease in lender credits on the Final CD without accompanying COC(s). - Due Diligence Vendor-06/06/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. COC and CD uploaded. - Seller-06/06/2022<br>| Resolved-Received COC - Due Diligence Vendor-06/06/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 568499 |  | 568499 C B A | Closed | finding-3634 | 2022-06-06 14:55 | 2022-06-06 16:14 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received COC - Due Diligence Vendor-06/06/2022 <br> Ready for Review-Document Uploaded. COC and CD uploaded. - Seller-06/06/2022 <br> Open-Charges that cannot increase fails is due to fee's increasing in sec a and e, no valid coc in file for the final cd. - Due Diligence Vendor-06/06/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. COC and CD uploaded. - Seller-06/06/2022<br>| Resolved-Received COC - Due Diligence Vendor-06/06/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 568499 |  | 568499 C B A | Closed | FCOM5135 | 2022-06-06 11:23 | 2022-06-06 12:51 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/06/2022 <br>Acknowledged-\*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/06/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/06/2022 <br>Acknowledged-\*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/06/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 964196 |  | 964196 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 144276 |  | 144276 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 873900 |  | 873900 B A | Closed | FCOM5135 | 2022-06-07 13:49 | 2022-06-07 14:53 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/07/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/07/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 241097 |  | 241097 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |
| 175258 |  | 175258 B A | Closed | FCOM5135 | 2022-06-08 12:15 | 2022-06-08 12:15 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/08/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/08/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 124077 |  | 124077 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 786409 |  | 786409 C A | Closed | FCRE1159 | 2022-05-20 16:33 | 2022-05-23 08:55 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Confirmed per PCCD provided at resubmission- Hazard Insurance Effective Date of xxx is prior to Disbursement Date of xxx. - Due Diligence Vendor-05/23/2022 <br> Ready for Review-Document Uploaded. Please review updated PCCD and email tracking. - Seller-05/20/2022 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date ofxxx- Due Diligence Vendor-05/20/2022 <br> Open-hazard ins effective date is after closing date listed on the final CD. - Due Diligence Vendor-05/20/2022 | Ready for Review-Document Uploaded. Please review updated PCCD and email tracking. - Seller-05/20/2022<br>| Resolved-Confirmed per PCCD provided at resubmission- Hazard Insurance Effective Date of xxx is prior to Disbursement Date of xxx. - Due Diligence Vendor-05/23/2022 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 536092 |  | 536092 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 408809 |  | 408809 D B A | Closed | FCRE2109 | 2022-06-03 11:32 | 2022-07-11 20:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/12/2022 <br> Resolved-Lender income worksheet for the two businesses used to qualify has been provided ("Other" on final 1003 confirmed as associated to second business which shows as $xxx). - Due Diligence Vendor-06/06/2022 <br> Ready for Review-Document Uploaded. Income worksheet uploaded for review. - Seller-06/03/2022 <br> Open-Missing required lender income calculation worksheet for all income used to qualify. - Due Diligence Vendor-06/02/2022 | Ready for Review-Document Uploaded. Income worksheet uploaded for review. - Seller-06/03/2022<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/12/2022 <br>Resolved-Lender income worksheet for the two businesses used to qualify has been provided ("Other" on final 1003 confirmed as associated to second business which shows as $0). - Due Diligence Vendor-06/06/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 408809 |  | 408809 D B A | Closed | FCRE1437 | 2022-06-21 09:11 | 2022-06-21 13:14 | Acknowledged | 2 - Non-Material C B | Credit | Income | Income and Employment Do Not Meet Guidelines | Acknowledged-Investor Exception issued to utilize income without removal of unknown "Other" sources and average with prior year to determine final ratios. Based on revised calculations, ratio of xxx% is within program threshold. - Due Diligence Vendor-06/21/2022 <br> Ready for Review-Document Uploaded. Revised income, 1008 and approved credit exception uploaded - Seller-06/21/2022 <br> Counter-Income worksheets are now in evidence, however additional detail is required for the following items: <br> 1. xxx 2020 1120S return includes a total of $xxx in "Other Income" on Page 1, Line 5, which is broken down on page xxx of the original upload as $xxx Interest Income, $xxx as an SBA loan, which must be deducted from calculation, and $xxx in "Other" which is not further addressed. Please provide supporting evidence that this is recurring income which is eligible to be included in qualifying. <br> 2. Additionally, xxx 2020 1120S return includes a total of $xxx in "Other Income" on Page xxx, Line xxx, which is broken down on page xxx of original submission as including $xxx in PPP Grant and $xxx SBA Grant, which are not typically permitted to be used as qualifying income. Please revise calculations accordingly to reflect this removal.<br> 3. Once both entities have been fully developed, a DTI variance may be required. - Due Diligence Vendor-06/06/2022 <br> Ready for Review-Document Uploaded. Income worksheet denoting income calculation uploaded. - Seller-06/03/2022 <br> Open-Income and Employment Do Not Meet Guidelines Lender income xxx $xxx monthly. Per xxx tax return (pg xxx and xxxx) reflects other income of $xxx <br> Unable to determine if income can be included or excluded in business income calculation. Please provide documentation to support inclusion of this income used to qualify. See auditor income worksheets for full explanation.<br> Lender income xxx $xxx monthly. Per 2020 tax return (pg xxx) reflects other income of $xxx. <br> Unable to determine if income can be included or excluded in business income calculation. Please provide documentation to support inclusion of this income used to qualify. See auditor income worksheets for full explanation. - Due Diligence Vendor-06/02/2022 | Ready for Review-Document Uploaded. Revised income, 1008 and approved credit exception uploaded - Seller-06/21/2022 <br>Ready for Review-Document Uploaded. Income worksheet denoting income calculation uploaded. - Seller-06/03/2022<br>| Acknowledged-Investor Exception issued to utilize income without removal of unknown "Other" sources and average with prior year to determine final ratios. Based on revised calculations, ratio of xxx% is within program threshold. - Due Diligence Vendor-06/21/2022 |  | FICO 20+ points; DTI 5% below max; PITIA reserves above min by 6 months; LTV below max by 10%  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 780617 |  | 780617 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 896231 |  | 896231 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 513059 |  | 513059 D A | Closed | FCRE1503 | 2022-06-02 09:45 | 2022-06-02 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Verification of anticipated payment for second investment property provided at resubmission and ratios remain in line for program; item resolved. - Due Diligence Vendor-06/02/2022 <br> Ready for Review-Document Uploaded. A mortgage statement would not be available for the REO in question, this is a purchase transaction under xxx Loan# xxx. Attached is the updated final 1008 for this transaction, in addition to the 1008/HOI Invoice/Tax Bill for the upcoming purchase transaction under xxx. - Seller-06/02/2022 <br> Open-Missing mortgage statement for Investment property so I use the value on the final xxx - Due Diligence Vendor-06/01/2022 | Ready for Review-Document Uploaded. A mortgage statement would not be available for the REO in question, this is a purchase transaction under xxx Loan# xxx. Attached is the updated final 1008 for this transaction, in addition to the 1008/HOI Invoice/Tax Bill for the upcoming purchase transaction under xxx. - Seller-06/02/2022 | Resolved-Verification of anticipated payment for second investment property provided at resubmission and ratios remain in line for program; item resolved. - Due Diligence Vendor-06/02/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 965994 |  | 965994 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 860595 |  | 860595 B A | Closed | FCOM5135 | 2022-06-02 15:09 | 2022-06-02 15:09 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/02/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 487008 |  | 487008 B A | Closed | FCOM5135 | 2022-06-03 13:32 | 2022-06-03 16:04 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-\*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/03/2022 <br>Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/03/2022 |  | Acknowledged-\*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/03/2022 <br>Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/03/2022<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.7723144584936779<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.75% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 665892 |  | 665892 C A | Closed | finding-47 | 2022-06-07 12:07 | 2022-06-08 08:22 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD with updated disbursement date. - Due Diligence Vendor-06/08/2022 <br>Ready for Review-Document Uploaded. PCCD documentation uploaded. - Seller-06/07/2022 <br>Open-\*\*\*\*\*The funding date is before the third business day following consummation. Confirmation of the funding date may resolve this fail. - Due Diligence Vendor-06/06/2022 <br>Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. PCCD documentation uploaded. - Seller-06/07/2022<br>| Resolved-Received PCCD with updated disbursement date. - Due Diligence Vendor-06/08/2022<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| 268615 |  | 268615 B A | Closed | FCOM5135 | 2022-06-06 13:46 | 2022-06-06 13:46 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-06/06/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure<br> - Due Diligence Vendor-06/06/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |
| 663087 |  | 663087 C A | Closed | FCRE1159 | 2022-06-07 13:29 | 2022-06-08 10:47 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved- - Due Diligence Vendor-06/08/2022 <br> Ready for Review-Document Uploaded. PCCD documentation uploaded. - Seller-06/07/2022 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. PCCD documentation uploaded. - Seller-06/07/2022<br>|  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 488018 |  | 488018 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 326414 |  | 326414 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 931716 |  | 931716 B A | Closed | FCOM5135 | 2022-06-09 10:35 | 2022-06-09 11:55 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/09/2022 <br>Acknowledged-\*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-06/09/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/09/2022 <br>Acknowledged-\*\*\*\*Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-06/09/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 813 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.06% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 215.22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 142667 |  | 142667 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 315517 |  | 315517 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 961528 |  | 961528 C B A | Closed | FCRE1198 | 2022-06-14 13:04 | 2022-06-14 13:27 | Resolved | 1 - Information A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of x - Due Diligence Vendor-06/14/2022 <br> Open-Audited Reserves of Xxx are less than Guideline Required Reserves of x - Due Diligence Vendor-06/14/2022 |  | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of xxx - Due Diligence Vendor-06/14/2022 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.33% Is Below the Guideline Maximum Of 86% By Ten Percent (10%) or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.3055475355743452<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 961528 |  | 961528 C B A | Closed | FCOM5135 | 2022-06-13 10:01 | 2022-06-13 11:23 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/13/2022 <br>Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/13/2022 |  | Acknowledged-Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/13/2022 <br>Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/13/2022<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.33% Is Below the Guideline Maximum Of 86% By Ten Percent (10%) or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.3055475355743452<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 608271 |  | 608271 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 589454 |  | 589454 B A | Closed | FCOM5135 | 2022-06-13 12:49 | 2022-06-13 12:49 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/13/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/13/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.47875099504403873<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 353768 |  | 353768 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 670693 |  | 670693 B A | Closed | FCOM5135 | 2022-06-14 09:40 | 2022-06-14 13:01 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/14/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/14/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.05% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 259186 |  | 259186 B A | Closed | FCOM5135 | 2022-06-14 13:29 | 2022-06-14 13:29 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/14/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/14/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 916219 |  | 916219 D B A | Closed | FCOM8844 | 2022-06-21 09:19 | 2022-06-21 13:27 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Acknowledged-Received explanation that loan is a delayed finance transaction and evidenced in 1008. Full compliance review was conducted, and Non- QM: Lender documented all ATR UW Factors was validated as true (Non-QM based on loan features but reviewed as consumer purpose). - Due Diligence Vendor-06/21/2022 <br>Ready for Review-Per the 1008 provided on page 520 of the shipping package, this is a delayed finance transaction. - Seller-06/21/2022 <br>Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* - Due Diligence Vendor-06/17/2022 | Ready for Review-Per the 1008 provided on page 520 of the shipping package, this is a delayed finance transaction. - Seller-06/21/2022<br>| Acknowledged-Received explanation that loan is a delayed finance transaction and evidenced in 1008. Full compliance review was conducted, and Non- QM: Lender documented all ATR UW Factors was validated as true (Non-QM based on loan features but reviewed as consumer purpose). - Due Diligence Vendor-06/21/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 43 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 970100 |  | 970100 B A | Closed | FCOM5135 | 2022-06-17 11:27 | 2022-06-17 11:27 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/17/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/17/2022<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 263924 |  | 263924 B A | Closed | FCOM5135 | 2022-06-22 08:28 | 2022-06-22 08:28 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/22/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/22/2022<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 694 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 381562 |  | 381562 B A | Closed | FCOM5135 | 2022-06-23 14:28 | 2022-06-24 07:49 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/23/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/23/2022<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 689 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No |
| 538932 |  | 538932 A | Closed | finding-3652 | 2022-06-24 16:53 | 2022-06-27 08:58 | Resolved | 1 - Information A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Ready for Review-This is one in the same document, as denoted by the signature date (xxx) and tracking provided on the last page of the prior upload. - Seller-06/24/2022 <br> Counter-CD provided was from xxx. What is needed is the CD from xxx to correspond with the COC on 6/9 where the lender credit decreases to xxx and how the loan ultimately closed. - Due Diligence Vendor-06/24/2022 <br> Ready for Review-Document Uploaded. Revised CD and tracking uploaded for review. - Seller-06/23/2022 <br> Open-\*\*\*\*\*\* Evidence in the loan file indicates a re-disclosure due to lock extension and lender credit decreasing on xxx. The coinciding disclosure is missing from the loan file. Lender to provide the missing revised CD. - Due Diligence Vendor-06/23/2022 <br> Open-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). - Due Diligence Vendor-06/23/2022 | Ready for Review-This is one in the same document, as denoted by the signature date (xxx and tracking provided on the last page of the prior upload. - Seller-06/24/2022 <br> Ready for Review-Document Uploaded. Revised CD and tracking uploaded for review. - Seller-06/23/2022 |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.62% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 538932 |  | 538932 A | Closed | finding-3545 | 2022-06-24 14:30 | 2022-06-24 14:33 | Resolved | 1 - Information A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and xxx% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-06/24/2022 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.62% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 640584 |  | 640584 D B A | Closed | FCRE2109 | 2022-06-24 12:15 | 2022-06-27 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved- - Due Diligence Vendor-06/27/2022 <br> Ready for Review-Document Uploaded. Full income calculation worksheet uploaded. - Seller-06/24/2022 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing required Bank statement income worksheet page xxx (deposits). File contains page 1 Summary only. - Due Diligence Vendor-06/24/2022 | Ready for Review-Document Uploaded. Full income calculation worksheet uploaded. - Seller-06/24/2022<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 640584 |  | 640584 D B A | Closed | FCOM5135 | 2022-06-24 10:44 | 2022-06-24 10:44 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/24/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/24/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No |
| 640584 |  | 640584 D B A | Closed | FCRE8201 | 2022-06-24 09:33 | 2022-06-24 09:37 | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Acknowledged-Exception Request Form in file (page xxx). Exception granted by xxx/xxxfor seller sold home to xxx xxx This is a company that comes buys without realtor commission or repairs for a quick sale-they have now resold the property forxxx and was listed for xxx and sold with multiple offers. - Due Diligence Vendor-06/24/2022 |  | Acknowledged-Exception Request Form in file (page xxx). Exception granted by xxx xxx $xxx. This is a company that comes buys without realtor commission or repairs for a quick sale-they have now resold the property for $xxx and was listed for $xxx and sold with multiple offers. - Due Diligence Vendor-06/24/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | FICO 20+ points, Other-Residual Income $21,055.01, Pmt shock 135.816% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 326539 |  | 326539 B A | Closed | FCOM5135 | 2022-06-24 12:07 | 2022-06-24 13:14 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-\*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/24/2022 <br>Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/24/2022 |  | Acknowledged-\*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was <br> made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/24/2022 <br>Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/24/2022<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No |
| 645651 |  | 645651 B A | Closed | FCOM5135 | 2022-06-24 12:29 | 2022-06-24 13:23 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/24/2022 |  | Acknowledged-Required Affiliated Business Disclosure Missing \*\*\* Privacy Fact Sheet names non-settlement provider affiliate as defined by client; xxx does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-06/24/2022<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 736 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | Originator Post-Close | Yes |
| 722815 |  | 722815 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 899011 |  | 899011 D A | Closed | FPRO1244 | 2021-12-27 11:38 | 2021-12-27 14:18 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of xxx and variance of 0.0%. - Due Diligence Vendor-12/27/2021 <br> Ready for Review-Canopy valuation process - to order product. - Seller-12/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/21/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-12/27/2021<br>| Resolved-Received desk review showing value of xxx and variance of 0.0%. - Due Diligence Vendor-12/27/2021 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 585632 |  | 585632 D A | Closed | FPRO1244 | 2021-12-28 15:36 | 2022-01-20 19:48 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/21/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-12/28/2021 <br> Open-3Rd party product missing from loan file. - Due Diligence Vendor-12/28/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-12/28/2021<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/21/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 541053 |  | 541053 D A | Closed | FPRO1244 | 2021-12-28 15:05 | 2022-01-11 10:12 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-12/28/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/27/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-12/28/2021<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 649431 |  | 649431 D A | Closed | FPRO1244 | 2021-12-29 14:02 | 2022-01-11 10:37 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 <br> Ready for Review-Canopy valuation process - to order product - Seller-12/29/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/28/2021 | Ready for Review-Canopy valuation process - to order product - Seller-12/29/2021<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 429937 |  | 429937 D A | Closed | FPRO1244 | 2021-12-30 17:16 | 2022-01-11 11:04 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-12/30/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/29/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-12/30/2021<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 911925 |  | 911925 D A C | Closed | FPRO1244 | 2022-01-03 11:14 | 2022-02-03 15:17 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-02/03/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/03/2022 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/30/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-01/03/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-02/03/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 381880 |  | 381880 D A C | Closed | FPRO1244 | 2022-01-03 14:46 | 2022-02-08 09:33 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-02/08/2022 <br> Ready for Review-Canopy valuation process - to order product - Seller-01/03/2022 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/30/2021 | Ready for Review-Canopy valuation process - to order product - Seller-01/03/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-02/08/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 537968 |  | 537968 D A | Closed | FPRO1244 | 2022-01-04 11:03 | 2022-01-26 19:02 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-01/27/2022 <br> Ready for Review-Canopy valuation process - will order product. - Seller-01/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/04/2022 | Ready for Review-Canopy valuation process - will order product. - Seller-01/04/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-01/27/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| 663806 |  | 663806 D A | Closed | FPRO1244 | 2022-01-04 11:07 | 2022-01-27 13:25 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/27/2022 <br> Ready for Review-CDA results are in - will get back on whether to order BPO, etc - thank you. - Seller-01/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/04/2022 | Ready for Review-CDA results are in - will get back on whether to order BPO, etc - thank you. - Seller-01/04/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/27/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| 674846 |  | 674846 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 155712 |  | 155712 D A | Closed | FPRO1244 | 2022-01-04 11:21 | 2022-01-26 18:55 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-01/26/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/04/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-01/04/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-01/26/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 240565 |  | 240565 C A | Closed | FCOM1234 | 2022-01-14 13:28 | 2022-01-18 02:12 | Resolved | 1 - Information C A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-Executed Final 1003iprovided at resubmission. - Due Diligence Vendor-01/18/2022 <br>Ready for Review-Document Uploaded. Please review the signed Final 1003 - thank you. - Seller-01/14/2022 <br>Open-The Final 1003 is Not Executed - Due Diligence Vendor-01/04/2022 | Ready for Review-Document Uploaded. Please review the signed Final 1003 - thank you. - Seller-01/14/2022<br>| Resolved-Executed Final 1003iprovided at resubmission. - Due Diligence Vendor-01/18/2022<br>|  |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 849561 |  | 849561 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 755223 |  | 755223 D A | Closed | FCRE1201 | 2022-01-10 18:42 | 2022-01-11 01:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission. Flags for additional properties not of concern as all match to final 1003. Valuation concern is addressed with appraisal and secondary validation. Third party earnings confirmation in file with xxx VOE provided to verify income used to qualify. - Due Diligence Vendor-01/11/2022 <br> Ready for Review-Document Uploaded. Please review the Fraud Report - thank you. - Seller-01/10/2022 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/05/2022 | Ready for Review-Document Uploaded. Please review the Fraud Report - thank you. - Seller-01/10/2022<br>| Resolved-Third Party Fraud Report provided at resubmission. Flags for additional properties not of concern as all match to final 1003. Valuation concern is addressed with appraisal and secondary validation. Third party earnings confirmation in file with xxx VOE provided to verify income used to qualify. - Due Diligence Vendor-01/11/2022 |  |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 622649 |  | 622649 D A C | Closed | FPRO1244 | 2022-01-11 15:44 | 2022-01-26 19:39 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-01/27/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/11/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/06/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-01/11/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-01/27/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 663320 |  | 430783 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 430783 |  | 818481 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 818481 |  | 892245 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 892245 |  | 654761 D A | Closed | FPRO1244 | 2022-01-11 15:44 | 2022-01-27 19:10 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/28/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/11/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/07/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-01/11/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/28/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 654761 |  | 769612 D A | Closed | FPRO1244 | 2022-01-11 15:45 | 2022-01-27 19:12 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/28/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/11/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/07/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-01/11/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/28/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 769612 |  | 854726 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 854726 |  | 823714 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 823714 |  | 553750 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 553750 |  | 128173 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 128173 |  | 876692 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 876692 |  | 839777 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 839777 |  | 678699 D A | Closed | FPRO1244 | 2022-01-21 12:30 | 2022-01-27 20:13 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/28/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/21/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/12/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/11/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-01/21/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/28/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| 678699 |  | 224436 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 224436 |  | 217205 D A | Closed | FPRO1244 | 2022-01-19 19:25 | 2022-01-27 19:35 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/28/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/20/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/12/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-01/20/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/28/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 217205 |  | 255744 D A | Closed | FPRO1244 | 2022-01-19 19:25 | 2022-01-27 19:33 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/28/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/20/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/12/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-01/20/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/28/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 957475 |  | 767320 D A | Closed | FPRO1244 | 2022-01-19 19:24 | 2022-01-27 19:29 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/28/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/20/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/12/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-01/20/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-01/28/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 255744 |  | 874699 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 767320 |  | 753596 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 874699 |  | 626084 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 753596 |  | 797628 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 626084 |  | 180608 D A | Closed | FPRO1244 | 2022-02-15 11:25 | 2022-02-23 12:06 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-02/23/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-02/15/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/11/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-02/15/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-02/23/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 35.91% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.91% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 797628 |  | 427988 D A | Closed | FPRO1244 | 2022-02-18 11:55 | 2022-02-23 11:27 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-02/23/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-02/18/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/14/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-02/18/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-02/23/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| 180608 |  | 914606 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 427988 |  | 343266 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 914606 |  | 190666 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 343266 |  | 912271 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 190666 |  | 807370 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 912271 |  | 722785 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 807370 |  | 501885 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 423885 |  | 944450 D A | Closed | FPRO1244 | 2022-03-14 12:00 | 2022-03-22 11:39 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-03/22/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/14/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/03/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/14/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-03/22/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.7% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.7% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 145 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 722785 |  | 538401 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 501885 |  | 776417 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 944450 |  | 528443 D A | Closed | FPRO1244 | 2022-03-14 12:01 | 2022-03-22 11:41 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-03/22/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/14/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/04/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/14/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-03/22/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 126 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.07% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.07% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 538401 |  | 460126 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 776417 |  | 897700 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 528443 |  | 165277 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 460126 |  | 919018 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 897700 |  | 477099 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 165277 |  | 338726 D A | Closed | FPRO1244 | 2022-04-01 17:10 | 2022-04-07 13:44 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-04/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/01/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/31/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/01/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-04/07/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 919018 |  | 624178 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 477099 |  | 624178 D A C | Closed | FPRO1244 | 2022-04-13 14:45 | 2022-04-15 14:30 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-04/15/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/13/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/12/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/13/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved. - Due Diligence Vendor-04/15/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 20% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 20% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 338726 |  | 366671 D A C | Closed | FPRO1244 | 2022-04-14 19:14 | 2022-04-25 15:47 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-04/25/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/14/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/12/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/14/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-04/25/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 624178 |  | 510129 D B C A | Closed | FCRE1159 | 2022-04-29 11:12 | 2022-04-29 13:05 | Acknowledged | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged- - Due Diligence Vendor-04/29/2022 <br> Open- - Due Diligence Vendor-04/29/2022 <br> Ready for Review-Document Uploaded. Please review the statement from the Ins Agent confirming there were no claims on the HO policy between xxx to xxx. Thank you. - Seller-04/29/2022 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-04/14/2022 | Ready for Review-Document Uploaded. Please review the statement from the Ins Agent confirming there were no claims on the HO policy between xxx to xxx. Thank you. - Seller-04/29/2022 |  | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 624178 |  | 714446 D B C A | Closed | FPRO1244 | 2022-04-15 15:48 | 2022-04-25 15:50 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-04/25/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/15/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/13/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/15/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-04/25/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 366671 |  | 629921 D A | Closed | FPRO1244 | 2022-04-18 15:07 | 2022-04-25 16:01 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-04/25/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/18/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/15/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/15/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/18/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-04/25/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 510129 |  | 629921 D A | Closed | FPRO1244 | 2022-04-18 15:08 | 2022-04-27 16:18 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-04/27/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/18/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/15/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/15/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/18/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-04/27/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 689 is Greater Than The Guideline Minimum Of 575 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 714446 |  | 629921 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 629921 |  | 522563 C B A | Closed | FCRE4678 | 2022-04-27 17:35 | 2022-04-28 12:49 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Acknowledged-Investor Exception issued to allow for payment shock of xxx of current housing expense; above program guideline of xxx% maximum increase for a first-time homebuyer. Revision acknowledging 5xxxmonths' PITIA reserves provided. - Due Diligence Vendor-04/28/2022 <br> Ready for Review-Document Uploaded. Please review the ULAW for this finding - thank you. - Seller-04/27/2022 <br> Open-Investor Exception issued to allow for payment shock of xxx current housing expense; above program guideline of xxx% maximum increase for a first-time homebuyer. Exception was issued subject to xxx+ months' PITI reserves, however total available post-closing is xxx months. Please provide updated Exception Approval form. - Due Diligence Vendor-04/25/2022 <br> Acknowledged-Payment Shock Does Not Meet Guideline Requirements Guideline exception form present on page 8 for payment shock exceeding the max allowed per the guidelines<br> Compensating Factors listed: Borrower will have 6+ months of reserves at closing - Due Diligence Vendor-04/19/2022 | Ready for Review-Document Uploaded. Please review the ULAW for this finding - thank you. - Seller-04/27/2022<br>| Acknowledged-Investor Exception issued to allow for payment shock of xxx% of current housing expense; above program guideline of xxx% maximum increase for a first-time homebuyer. Revision acknowledging 5 months' PITIA reserves provided. - Due Diligence Vendor-04/28/2022 <br> Acknowledged-Payment Shock Does Not Meet Guideline Requirements Guideline exception form present on page 8 for payment shock exceeding the max allowed per the guidelines<br> Compensating Factors listed: Borrower will have 6+ months of reserves at closing - Due Diligence Vendor-04/19/2022 |  | 5 months' reserves; 701 FICO | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 629921 |  | 184013 C B A | Closed | FCRE1198 | 2022-04-22 18:40 | 2022-04-25 13:15 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Investor Allowance for xxx months' PITI reserves vs. standard requirement of xxx granted - Due Diligence Vendor-04/25/2022 <br> Ready for Review-Document Uploaded. Please review the updated ULAW - thank you. - Seller-04/22/2022 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of xxx - Due Diligence Vendor-04/19/2022 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of xxx Total qualified assets post close is xxx / Subject property PITIA $xxx = xxx months reserves available - Due Diligence Vendor-04/19/2022 | Ready for Review-Document Uploaded. Please review the updated ULAW - thank you. - Seller-04/22/2022<br>| Acknowledged-Investor Allowance for xxx months' PITI reserves vs. standard requirement of xx granted - Due Diligence Vendor-04/25/2022 |  | 701 FICO; <1 month variance from standard policy | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 629921 |  | 849248 C B A | Closed | FCOM5135 | 2022-04-20 15:29 | 2022-04-21 12:52 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-client accepts non-material grade finding. - Due Diligence Vendor-04/21/2022 <br>Ready for Review-Material-2 finding. - Seller-04/20/2022 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-04/20/2022 | Ready for Review-Material-2 finding. - Seller-04/20/2022<br>| Acknowledged-client accepts non-material grade finding. - Due Diligence Vendor-04/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 522563 |  | 292313 C A | Closed | finding-3721 | 2022-04-21 19:41 | 2022-04-22 15:04 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Ready for Review-Document Uploaded. Per QC, please re-run figures based on xxx PFCD fees. Courier fee was reduced from xxx to xxx which is a diff of only xxx and w/in threshold. xxx PFCD is attached, thank you. - Seller-04/21/2022 <br> Counter-Document Uploaded. \*\*\*Please see attached Compliance Ease Report. - Due Diligence Vendor-04/21/2022 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. \*\*\*\*\*Loan comparison is failing by xxx. Need lender PFC breakdown for comparison review. - Due Diligence Vendor-04/20/2022 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-04/20/2022 | Ready for Review-Document Uploaded. Per QC, please re-run figures based on 4.18 PFCD fees. Courier fee was reduced from xxx to xxx, which is a diff of only xxx and w/in threshold. 4.18 PFCD is attached, thank you. - Seller-04/21/2022 |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 184013 |  | 351039 D A | Closed | FPRO1244 | 2022-04-20 15:30 | 2022-04-25 16:19 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-04/25/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/20/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/20/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/20/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-04/25/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 849248 |  | 810232 D A | Closed | FPRO1244 | 2022-04-21 17:20 | 2022-05-05 12:07 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-05/05/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/21/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/20/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/21/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-05/05/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| 292313 |  | 228426 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 351039 |  | 913684 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 810232 |  | 398789 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 228426 |  | 157507 A | Closed | FPRO1244 | 2022-04-26 16:32 | 2022-07-12 18:18 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of xxx and variance of 0%. - Due Diligence Vendor-07/12/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product.<br> - Due Diligence Vendor-04/26/2022 |  | Resolved-Received desk review showing value of xxx and variance of 0%. - Due Diligence Vendor-07/12/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 698 is Greater Than The Guideline Minimum Of 675 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 913684 |  | 886952 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 398789 |  | 310353 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 157507 |  | 310353 D A | Closed | FPRO1244 | 2022-05-11 11:24 | 2022-05-16 12:30 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-05/16/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/11/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-05/11/2022 <br> Open- - Due Diligence Vendor-05/10/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/11/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-05/16/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 673 is Greater Than The Guideline Minimum Of 650 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 886952 |  | 240801 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 310353 |  | 796607 D B A | Closed | FPRO868 | 2022-08-12 11:12 | 2022-08-12 11:15 | Waived | 2 - Non-Material A B | Property | Desk Review Value(s) Do Not Adhere To Tolerance Criteria | Waived-Client waives this condition for an inflated appraised value as LTV/CLTV was based on the purchase price (and lowest value for LTV) of $xxx which is supported by the desk review. - Due Diligence Vendor-08/12/2022 <br> Open-Desk review value of $xxx does not support the appraised value ($xxx) within a -10% tolerance (-xxx%) - Due Diligence Vendor-08/12/2022 |  | Waived-Client waives this condition for an inflated appraised value as LTV/CLTV was based on the purchase price (and lowest value for LTV) of $xxx which is supported by the desk review. - Due Diligence Vendor-08/12/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More | LTV/CLTV based on the lowest of all values which is the purchase price and the desk review. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $352500.00 | TN | xxx | Purchase | NA | Investor Post-Close | Investor Post-Close | No |
| 310353 |  | 759725 D B A | Closed | FPRO1244 | 2022-05-13 12:31 | 2022-05-18 15:35 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-05/18/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/13/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-05/13/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/13/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-05/18/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 240801 |  | 759725 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 796607 |  | 252787 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 759725 |  | 410716 D B A C | Closed | FCOM7201 | 2022-05-18 11:39 | 2022-05-18 17:05 | Acknowledged | 2 - Non-Material C B | Compliance | NMLS | Loan Originator NMLS Status is Unknown | Acknowledged-PA allows NMLS exemption for origination of business purpose loans. - Due Diligence Vendor-05/18/2022 <br>Ready for Review-It does not appear that broker is registered with NMLS - thank you.. - Seller-05/18/2022 <br>Open-Loan Originator NMLS Status is Unknown. It is not listed on the 1003 or other documentation, showing as N/A; unable to locate NMLS # in file - Due Diligence Vendor-05/16/2022 | Ready for Review-It does not appear that broker is registered with NMLS - thank you.. - Seller-05/18/2022<br>| Acknowledged-PA allows NMLS exemption for origination of business purpose loans. - Due Diligence Vendor-05/18/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 759725 |  | 179174 D B A C | Closed | FPRO1244 | 2022-05-18 14:38 | 2022-05-18 15:46 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-05/18/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/18/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-05/16/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/18/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-05/18/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 252787 |  | 723285 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 410716 |  | 211593 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $104250.00 | xxx | Investment | Purchase | NA |  |  |
| 179174 |  | 695991 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $168750.00 | xxx | Investment | Purchase | NA |  |  |
| 723285 |  | 603889 C B A | Closed | FPRO1249 | 2022-05-19 14:25 | 2022-05-20 09:05 | Acknowledged | 2 - Non-Material C B | Property | Property Issue | Neighborhood Location Not Allowed for Program | Acknowledged-Investor Accommodation issued to allow for revision to appraisal moving Neighborhood Location from Rural to Suburban, and thus expand LTV to 80% standard. - Due Diligence Vendor-05/20/2022 <br> Ready for Review-Document Uploaded. Please review discussion of subject location for exception - thank you. - Seller-05/19/2022 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. Please review discussion of subject location for exception - thank you. - Seller-05/19/2022<br>| Acknowledged-Investor Accommodation issued to allow for revision to appraisal moving Neighborhood Location from Rural to Suburban, and thus expand LTV to 80% standard. - Due Diligence Vendor-05/20/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Marketing time of under three months prevalent including for comps provided; reasonable distance from traditional services and stores | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 211593 |  | 222149 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 695991 |  | 539278 D A | Closed | FPRO1244 | 2022-05-20 17:11 | 2022-05-26 10:08 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value xxx and 0% variance . findings resolved <br> - Due Diligence Vendor-05/26/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/20/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-05/19/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/20/2022<br>| Resolved-desk review provided with value xxx and 0% variance . findings resolved <br> - Due Diligence Vendor-05/26/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 603889 |  | 279149 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 222149 |  | 243336 D A C | Closed | FPRO1244 | 2022-05-20 17:11 | 2022-05-24 16:16 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-05/24/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/20/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-05/19/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/20/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-05/24/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 539278 |  | 243336 D A | Closed | FPRO1244 | 2022-05-23 11:40 | 2022-05-24 16:17 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-05/24/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/23/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product.<br> - Due Diligence Vendor-05/20/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/23/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-05/24/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.01% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.01% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 279149 |  | 338572 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 243336 |  | 711106 C B A | Closed | FCRE1198 | 2022-05-24 19:11 | 2022-05-25 09:22 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-As per investor, accommodation issued to allow for enhancement to guidelines for transaction locked prior to revision and therefore reserve requirements were waived. - Due Diligence Vendor-05/25/2022 <br> Ready for Review-Please review comments from UW: Shortly after loan was submitted, the reserve requirement for DSCR loans was removed and loan closed in accordance with updated guidelines. Thank you. - Seller-05/24/2022 <br> Counter-Approval uploaded does not contain commentary regarding assets- please provide verification of waiver or full validation of funds needed. - Due Diligence Vendor-05/23/2022 <br> Ready for Review-Please review the ULAW for exception - thank you. - Seller-05/23/2022 <br> Open-Audited Reserves of are less than Guideline Required Reserves of xxx Audited reserves are xxx. Per guidelines 80% LTV 6 months reserves are required - Due Diligence Vendor-05/23/2022 | Ready for Review-Please review comments from UW: Shortly after loan was submitted, the reserve requirement for DSCR loans was removed and loan closed in accordance with updated guidelines. Thank you. - Seller-05/24/2022 <br>Ready for Review-Please review the ULAW for exception - thank you. - Seller-05/23/2022<br>| Acknowledged-As per investor, accommodation issued to allow for enhancement to guidelines for transaction locked prior to revision and therefore reserve requirements were waived. - Due Diligence Vendor-05/25/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 674 is Greater Than The Guideline Minimum Of 650 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 243336 |  | 812478 C B A | Closed | FCRE1200 | 2022-05-23 17:59 | 2022-05-23 18:56 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Investor Exception issued to allow for loan amount less than xxx minimum for DSCR+ program. - Due Diligence Vendor-05/23/2022 <br> Ready for Review-Document Uploaded. Please review the ULAW for exception - thank you. - Seller-05/23/2022 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 100000 Per UW worksheet Lender stated applying loan amount exception for less than xxx. But I did not see an exception form in the file. - Due Diligence Vendor-05/23/2022 | Ready for Review-Document Uploaded. Please review the ULAW for exception - thank you. - Seller-05/23/2022<br>| Acknowledged-Investor Exception issued to allow for loan amount less than xxx minimum for DSCR+ program. - Due Diligence Vendor-05/23/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 674 is Greater Than The Guideline Minimum Of 650 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 338572 |  | 724224 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 711106 |  | 594572 D A | Closed | FCOM1224 | 2022-06-03 15:01 | 2022-06-06 08:53 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved-received copy of mortgage with all riders. - Due Diligence Vendor-06/06/2022 <br>Ready for Review-Document Uploaded. Please review the condo rider - thank you. - Seller-06/03/2022 <br>Open-Condo Rider is Missing - Due Diligence Vendor-05/23/2022 | Ready for Review-Document Uploaded. Please review the condo rider - thank you. - Seller-06/03/2022<br>| Resolved-received copy of mortgage with all riders. - Due Diligence Vendor-06/06/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 812478 |  | 594572 C A | Closed | FCRE1198 | 2022-05-25 09:30 | 2022-05-25 16:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/25/2022 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/25/2022 |  | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of xxx - Due Diligence Vendor-05/25/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 724224 |  | 337783 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 594572 |  | 138822 D A | Closed | FCRE1467 | 2022-06-01 18:56 | 2022-08-10 19:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-08/10/2022 <br> Acknowledged-As per Investor Credit Memo dated xxx verification of assets for cash to close and reserves are waived for DSCR transactions with 70% LTV or below, which the subject meets. - Due Diligence Vendor-06/02/2022 <br> Ready for Review-Please review statement from UW: Per Credit Memo from xxx Head of Credit dated xxx, on DSCR loans proof of funds is not required at LTV's of 70% and less as well as xxx or less at any LTV. Thank you. - Seller-06/01/2022 <br> Open-per 1003 missing Bank Statement for xxx - Due Diligence Vendor-05/26/2022 | Ready for Review-Please review statement from UW: Per Credit Memo from xxx Head of Credit dated xxx, on DSCR loans proof of funds is not required at LTV's of xxx% and less as well as $xxx or less at any LTV. Thank you. - Seller-06/01/2022 | Resolved-Asset 1 Provided - Due Diligence Vendor-08/10/2022 <br> Acknowledged-As per Investor Credit Memo dated xxx, verification of assets for cash to close and reserves are waived for DSCR transactions with 70% LTV or below, which the subject meets. - Due Diligence Vendor-06/02/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 594572 |  | 979947 D A | Closed | FPRO1244 | 2022-05-26 17:00 | 2022-05-31 20:24 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-06/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/26/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-05/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/26/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-06/01/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 337783 |  | 464901 D A C | Closed | FPRO1244 | 2022-05-26 17:00 | 2022-05-31 20:21 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-06/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/26/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-05/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/26/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-06/01/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 138822 |  | 530688 D A C | Closed | FPRO1244 | 2022-05-26 17:00 | 2022-05-31 20:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-06/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/26/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-05/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/26/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-06/01/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.25 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 979947 |  | 766709 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 464901 |  | 624439 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 530688 |  | 852729 D A C | Closed | FPRO1244 | 2022-05-26 11:43 | 2022-05-31 20:12 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-06/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/26/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-05/26/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/26/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-06/01/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.19% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.19% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 766709 |  | 185885 D A C | Closed | FPRO1244 | 2022-05-27 14:45 | 2022-05-31 20:28 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-06/01/2022 <br> Ready for Review-Canopy valuation process - to order product, - Seller-05/27/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product.<br> - Due Diligence Vendor-05/27/2022 | Ready for Review-Canopy valuation process - to order product, - Seller-05/27/2022<br>| Resolved-Desk review provided with a value of xxx or 0% variance. Finding resolved - Due Diligence Vendor-06/01/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.02% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.02% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 624439 |  | 219175 C B A | Closed | FPRO1249 | 2022-05-31 13:02 | 2022-05-31 13:56 | Acknowledged | 2 - Non-Material C B | Property | Property Issue | Neighborhood Location Not Allowed for Program | Acknowledged-Investor Exception issued for LTV of xxx% vs. max of xxx% for rural properties. - Due Diligence Vendor-05/31/2022 <br> Ready for Review-Document Uploaded. Please review ULAW for location exception - thank you. - Seller-05/31/2022 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Due Diligence Vendor-05/27/2022 | Ready for Review-Document Uploaded. Please review ULAW for location exception - thank you. - Seller-05/31/2022<br>| Acknowledged-Investor Exception issued for LTV of xxx% vs. max of xxx% for rural properties. - Due Diligence Vendor-05/31/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 852729 |  | 368853 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 185885 |  | 557391 C B A | Closed | FCOM1266 | 2022-05-31 11:32 | 2022-05-31 14:55 | Acknowledged | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Acknowledged-\*\*\*Client accepts the finding. - Due Diligence Vendor-05/31/2022 <br>Ready for Review-Finding 2 non-material - thank you. - Seller-05/31/2022 <br>Open-Homeownership Counseling Disclosure Is Missing No Homeownership counseling disclosure found in the file - Due Diligence Vendor-05/27/2022 | Ready for Review-Finding 2 non-material - thank you. - Seller-05/31/2022<br>| Acknowledged-\*\*\*Client accepts the finding. - Due Diligence Vendor-05/31/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.88 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 219175 |  | 586393 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 368853 |  | 282992 D A | Closed | FPRO1244 | 2022-05-31 15:23 | 2022-06-06 10:57 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of xxx or 0% variance . finding resolved - Due Diligence Vendor-06/06/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/31/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product.<br> - Due Diligence Vendor-05/28/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/31/2022<br>| Resolved-desk review provided with value of xxx or 0% variance . finding resolved - Due Diligence Vendor-06/06/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 557391 |  | 569193 D A C | Closed | FCRE1201 | 2022-05-31 15:21 | 2022-06-01 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission. Flags include items for SSN which are not of concern as this is an ITIN loan. Income and value were documented as per program guidelines. No further documentation is required. - Due Diligence Vendor-06/01/2022 <br>Ready for Review-Document Uploaded. Please review the fraud report - thank you. - Seller-05/31/2022 <br>Open-Missing Third Party Fraud Report Fraud Report missing from the file - Due Diligence Vendor-05/31/2022 | Ready for Review-Document Uploaded. Please review the fraud report - thank you. - Seller-05/31/2022<br>| Resolved-Third Party Fraud Report provided at resubmission. Flags include items for SSN which are not of concern as this is an ITIN loan. Income and value were documented as per program guidelines. No further documentation is required. - Due Diligence Vendor-06/01/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.53% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.53% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 586393 |  | 102299 D A C | Closed | FPRO1244 | 2022-05-31 15:22 | 2022-06-01 10:08 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of xxx or a 0% variance . finding resolved . - Due Diligence Vendor-06/01/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/31/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product.<br> - Due Diligence Vendor-05/28/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/31/2022<br>| Resolved-Desk review provided with a value of xxx or a 0% variance . finding resolved . - Due Diligence Vendor-06/01/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 675 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 282992 |  | 425123 C A | Closed | FCRE1293 | 2022-06-07 12:47 | 2022-08-10 12:58 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved- - Due Diligence Vendor-06/09/2022 <br> Acknowledged- - Due Diligence Vendor-06/08/2022 <br> Ready for Review-Document Uploaded. Please review comments from UW: <br> Per Guidelines Sec 4.15 we do not need to chase mortgage ratings for REO's unless it is their primary residence, a secondary residence or the subject property. Per Sec 4.20, we are allowed to give a rent credit for departure properties of 80% based on market rents without any written agreement (written agreements can use 100%) and we are uploading a xxxx page for xxx that was used to calculate the rent credit to match up to the 1003. Thank you. - Seller-06/07/2022 <br> Counter-Full PITI for xxx property now in evidence and taxes and insurance for xxx. The following are still needed to complete REO evaluation: 1. Copy of lease agreement supporting rental income forxxx of xxx/mo per final 1003; 2. Verification of mortgage payment for xxx as per Property Report, a private lien is in place on this dwelling. - Due Diligence Vendor-06/02/2022 <br> Ready for Review-Document Uploaded. Please review documentation from UW, thank you. - Seller-06/01/2022 <br> Open-Income 2 Months Income Verified is Missing Provide verification of rental payments, monthly mortgage payment, taxes and insurance for xxx and xxx- Due Diligence Vendor-05/31/2022 | Ready for Review-Document Uploaded. Please review comments from UW: <br> Per Guidelines Sec 4.15 we do not need to chase mortgage ratings for REO's unless it is their primary residence, a secondary residence or the subject property. Per Sec 4.20, we are allowed to give a rent credit for departure properties of 80% based on market rents without any written agreement (written agreements can use 100%) and we are uploading a xxx page for xxx that was used to calculate the rent credit to match up to the 1003. Thank you. - Seller-06/07/2022 <br> Ready for Review-Document Uploaded. Please review documentation from UW, thank you. - Seller-06/01/2022 |  |  |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 569193 |  | 395289 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 102299 |  | 625282 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 425123 |  | 353942 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 395289 |  | 128870 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 625282 |  | 128870 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 353942 |  | 128870 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 128870 |  | 128870 D B A | Closed | FCOM1266 | 2022-06-09 12:50 | 2022-06-09 16:25 | Acknowledged | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Acknowledged-\*\*\*Client accepts the finding. - Due Diligence Vendor-06/09/2022 <br>Ready for Review-Material 2 finding. - Seller-06/09/2022 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*Homeownership Counseling Disclosure is Missing\*\*\*\*\* - Due Diligence Vendor-06/02/2022 | Ready for Review-Material 2 finding. - Seller-06/09/2022<br>| Acknowledged-\*\*\*Client accepts the finding. - Due Diligence Vendor-06/09/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 128870 |  | 128870 D B A | Closed | FCOM1797 | 2022-06-09 12:49 | 2022-06-09 16:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-\*\*\*Received Service Provider List - Due Diligence Vendor-06/09/2022 <br>Ready for Review-Document Uploaded. Please review the service provider list - thank you. - Seller-06/09/2022 <br>Open-Need copy of missing Service Provider List that was sent with 3 days of application. Without the SPL fees are counted towards 10% threshold - Due Diligence Vendor-06/03/2022 | Ready for Review-Document Uploaded. Please review the service provider list - thank you. - Seller-06/09/2022<br>| Resolved-\*\*\*Received Service Provider List - Due Diligence Vendor-06/09/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 128870 |  | 137825 D B A | Closed | finding-3631 | 2022-06-09 12:50 | 2022-06-09 16:20 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received Service Provider List - Due Diligence Vendor-06/09/2022 <br>Ready for Review-Please review the service provider list - thank you. - Seller-06/09/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Need copy of missing Service Provider List that was sent with 3 days of application. Without the SPL fees are counted towards 10% threshold - Due Diligence Vendor-06/03/2022 | Ready for Review-Please review the service provider list - thank you. - Seller-06/09/2022<br>| Resolved-\*\*\*Received Service Provider List - Due Diligence Vendor-06/09/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 128870 |  | 137825 D B A | Closed | finding-3632 | 2022-06-09 12:49 | 2022-06-09 16:20 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received Service Provider List - Due Diligence Vendor-06/09/2022 <br>Ready for Review-Please review the service provider list - thank you. - Seller-06/09/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Need copy of missing Service Provider List that was sent with 3 days of application. Without the SPL fees are counted towards 10% threshold - Due Diligence Vendor-06/03/2022 | Ready for Review-Please review the service provider list - thank you. - Seller-06/09/2022<br>| Resolved-\*\*\*Received Service Provider List - Due Diligence Vendor-06/09/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 128870 |  | 137825 D B A | Closed | finding-3635 | 2022-06-09 12:49 | 2022-06-09 16:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*\*Received Service Provider List - Due Diligence Vendor-06/09/2022 <br> Ready for Review-Please review the service provider list - thank you. - Seller-06/09/2022 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges (xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Need copy of missing Service Provider List that was sent with 3 days of application. Without the SPL fees are counted towards 10% threshold - Due Diligence Vendor-06/03/2022 | Ready for Review-Please review the service provider list - thank you. - Seller-06/09/2022<br>| Resolved-\*\*\*Received Service Provider List - Due Diligence Vendor-06/09/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 137825 |  | 137825 D B C A | Closed | FCRE1317 | 2022-06-07 12:24 | 2022-06-08 12:01 | Resolved | 1 - Information C A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Full two year income documentation now in evidence. - Due Diligence Vendor-06/08/2022 <br>Ready for Review-Document Uploaded. Please review the borrower's W2 which is acceptable docs for income verification per UW - thank you. - Seller-06/07/2022 <br>Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing 2020 earnings; per seller guide page 60 full doc wage earner requires 2 years and current YTD - Due Diligence Vendor-06/02/2022 | Ready for Review-Document Uploaded. Please review the borrower's W2 which is acceptable docs for income verification per UW - thank you. - Seller-06/07/2022<br>| Resolved-Full two year income documentation now in evidence. - Due Diligence Vendor-06/08/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 137825 |  | 892765 D B C A | Closed | FCRE1329 | 2022-06-07 12:24 | 2022-06-08 12:01 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-2020 W2 provided at resubmission. - Due Diligence Vendor-06/08/2022 <br>Ready for Review-Please review the borrower's W2 which is acceptable docs for income verification per UW - thank you. - Seller-06/07/2022 <br>Open-Borrower 1 W2/1099 Less Than 24 Months Provided Missing 2020 W2; per seller guide page 60 full doc wage earner requires 2 years and current YTD - Due Diligence Vendor-06/02/2022 | Ready for Review-Please review the borrower's W2 which is acceptable docs for income verification per UW - thank you. - Seller-06/07/2022<br>| Resolved-2020 W2 provided at resubmission. - Due Diligence Vendor-06/08/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 137825 |  | 892765 D B C A | Closed | FCRE6019 | 2022-06-07 12:23 | 2022-06-08 11:53 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Acknowledged-Investor Exception issued to waive additional citizenship documentation- file contains driver's license and SS card, missing prior Employment Authorization to consider under ITIN program. - Due Diligence Vendor-06/08/2022 <br>Ready for Review-Document Uploaded. Please review exception granted for ID docs - thank you. - Seller-06/07/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing not found within documents - Due Diligence Vendor-06/02/2022 | Ready for Review-Document Uploaded. Please review exception granted for ID docs - thank you. - Seller-06/07/2022<br>| Acknowledged-Investor Exception issued to waive additional citizenship documentation- file contains driver's license and SS card, missing prior Employment Authorization to consider under ITIN program. - Due Diligence Vendor-06/08/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 137825 |  | 305459 D B C A | Closed | FPRO1244 | 2022-06-02 17:23 | 2022-06-06 11:00 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value xxx or 0% variance . Finding resolved - Due Diligence Vendor-06/06/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-06/02/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product.<br> - Due Diligence Vendor-06/01/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-06/02/2022<br>| Resolved-desk review provided with value xxx or 0% variance . Finding resolved - Due Diligence Vendor-06/06/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 892765 |  | 923464 D A C | Closed | FPRO1244 | 2022-06-03 11:37 | 2022-06-06 11:05 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with a value xxx or 0% variance . finding resolved - Due Diligence Vendor-06/06/2022 <br> Ready for Review-Canopy valuation process - to order produc.t. - Seller-06/03/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product.<br> - Due Diligence Vendor-06/01/2022 | Ready for Review-Canopy valuation process - to order produc.t. - Seller-06/03/2022<br>| Resolved-desk review provided with a value xxxx or 0% variance . finding resolved - Due Diligence Vendor-06/06/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 674 is Greater Than The Guideline Minimum Of 650 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 892765 |  | 923464 D A C | Closed | FCRE1201 | 2022-06-03 15:22 | 2022-06-06 08:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission. Flags include for SSN issuance which is not of issue as borrower has been documented as a PRA. Secondary valuation product to confirm value is pending. Settlement agent and title agent as the same is common and customary and thus not of concern. No additional documentation required. - Due Diligence Vendor-06/06/2022 <br>Ready for Review-Document Uploaded. Please review the fraud report - thank you. - Seller-06/03/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/02/2022 | Ready for Review-Document Uploaded. Please review the fraud report - thank you. - Seller-06/03/2022<br>| Resolved-Third Party Fraud Report provided at resubmission. Flags include for SSN issuance which is not of issue as borrower has been documented as a PRA. Secondary valuation product to confirm value is pending. Settlement agent and title agent as the same is common and customary and thus not of concern. No additional documentation required. - Due Diligence Vendor-06/06/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 674 is Greater Than The Guideline Minimum Of 650 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 305459 |  | 803745 D A C | Closed | FPRO1244 | 2022-06-06 17:05 | 2022-06-07 10:37 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with a value of xxx or 0% variance . finding resolved - Due Diligence Vendor-06/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-06/06/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-06/02/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-06/06/2022<br>| Resolved-desk review provided with a value of xxx or 0% variance . finding resolved - Due Diligence Vendor-06/07/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 923464 |  | 323886 D B A C | Closed | FCOM1232 | 2022-06-06 18:03 | 2022-08-11 13:56 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Acknowledged-While the final 1003 for the borrower is not present, finding is non-material as the initial 1003 for the co-borrower is in the file and is signed, dated and contains borrower information consistent with how the loan closed. - Due Diligence Vendor-08/11/2022 <br> Counter-All pages to primary borrower's 1003 are in evidence, however only page 9 of the co-borrower's final application was provided. Please submit executed pages 1-8 of 1003 signed at closing. - Due Diligence Vendor-06/07/2022 <br> Ready for Review-Document Uploaded. Please review the Final 1003 - thank you. - Seller-06/06/2022 <br> Open-The Final 1003 is Missing Final 1003 for Borrower 2 xxx - Due Diligence Vendor-06/03/2022 | Ready for Review-Document Uploaded. Please review the Final 1003 - thank you. - Seller-06/06/2022<br>| Acknowledged-While the final 1003 for the borrower is not present, finding is non-material as the initial 1003 for the co-borrower is in the file and is signed, dated and contains borrower information consistent with how the loan closed. - Due Diligence Vendor-08/11/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.92% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.92% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| 923464 |  | 305580 D B A C | Closed | FPRO1244 | 2022-06-06 14:16 | 2022-06-07 10:34 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with A VALUES OF xxx OR A 0% VARIANCE . fINDING RESOLVED .<br> - Due Diligence Vendor-06/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-06/06/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-06/02/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-06/06/2022<br>| Resolved-desk review provided with A VALUES OF xxx OR A 0% VARIANCE . fINDING RESOLVED .<br> - Due Diligence Vendor-06/07/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.92% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.92% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 803745 |  | 497893 D A | Closed | FPRO1244 | 2022-06-03 14:56 | 2022-06-10 09:58 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value xxx and variance -6.9% . finding resolved . - Due Diligence Vendor-06/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-06/03/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-06/02/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-06/03/2022<br>| Resolved-desk review provided with value xxx and variance -6.9% . finding resolved . - Due Diligence Vendor-06/10/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 323886 |  | 388296 D A | Closed | FPRO1244 | 2022-06-03 14:51 | 2022-06-07 10:22 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of xxx or 0% variance .Finding resolved . - Due Diligence Vendor-06/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-06/03/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-06/02/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-06/03/2022<br>| Resolved-desk review provided with value of xxx or 0% variance .Finding resolved . - Due Diligence Vendor-06/07/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 700 is Greater Than The Guideline Minimum Of 675 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.76% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.76% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 305580 |  | 388296 D A | Closed | FPRO1244 | 2022-06-03 14:53 | 2022-06-06 11:12 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of xxx or 0% variance . finding resolved - Due Diligence Vendor-06/06/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-06/03/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-06/02/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-06/03/2022<br>| Resolved-desk review provided with value of xxx or 0% variance . finding resolved - Due Diligence Vendor-06/06/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 497893 |  | 435684 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 388296 |  | 618613 D A | Closed | FCOM1477 | 2022-06-09 18:19 | 2022-06-10 10:33 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-\*\*\*Received rate lock. - Due Diligence Vendor-06/10/2022 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/10/2022 <br>Ready for Review-Document Uploaded. Please review the rate lock agreement - thank you. - Seller-06/09/2022 <br>Open-\*\*rate lock appears to be missing- lender to provide - Due Diligence Vendor-06/03/2022 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/03/2022 | Ready for Review-Document Uploaded. Please review the rate lock agreement - thank you. - Seller-06/09/2022<br>| Resolved-\*\*\*Received rate lock. - Due Diligence Vendor-06/10/2022 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/10/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 388296 |  | 647931 D A | Closed | FPRO1244 | 2022-06-03 14:58 | 2022-06-06 11:16 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with a value xxx or 0% variance .finding resolved - Due Diligence Vendor-06/06/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-06/03/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-06/03/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-06/02/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-06/03/2022 <br>Ready for Review-Canopy valuation process - to order product. - Seller-06/03/2022<br>| Resolved-desk review provided with a value xxx or 0% variance .finding resolved - Due Diligence Vendor-06/06/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 435684 |  | 715473 D A | Closed | FPRO1244 | 2022-06-07 10:06 | 2022-06-10 10:09 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value of xxx and 0% variance . finding resolved - Due Diligence Vendor-06/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-06/07/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-06/03/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-06/07/2022<br>| Resolved-desk review provided with value of xxx and 0% variance . finding resolved - Due Diligence Vendor-06/10/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 618613 |  | 826680 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 647931 |  | 826680 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 715473 |  | 799210 D A | Closed | FCOM1231 | 2022-06-10 17:54 | 2022-06-12 14:37 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Initial 1003 is Missing | Resolved-Initial 1003 provided at resubmission. - Due Diligence Vendor-06/12/2022 <br>Ready for Review-Document Uploaded. Please review the initial 1003 - thank you - Seller-06/10/2022 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-06/09/2022 | Ready for Review-Document Uploaded. Please review the initial 1003 - thank you - Seller-06/10/2022<br>| Resolved-Initial 1003 provided at resubmission. - Due Diligence Vendor-06/12/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| 826680 |  | 799210 D B C A | Closed | FCRE6843 | 2022-06-15 17:47 | 2022-06-16 08:01 | Acknowledged | 2 - Non-Material C B | Credit | Assets | Asset General | Acknowledged-Per Investor Credit Memo, verification of source of funds is not required due to cash to close Ready for Review-Document Uploaded. Per UW sending credit memo's since March for updated guidelines for the finding - please review and advise. Thank you. - Seller-06/15/2022<br>Acknowledged-Per Investor Credit Memo, verification of source of funds is not required due to cash to close xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 826680 |  | 261877 D B C A | Closed | FPRO1244 | 2022-06-08 14:12 | 2022-06-14 10:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value xxx or 0% variance . finding resolved - Due Diligence Vendor-06/14/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-06/08/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-06/06/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-06/08/2022<br>| Resolved-desk review provided with value $ xxx or 0% variance . finding resolved - Due Diligence Vendor-06/14/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 799210 |  | 583582 C A | Closed | FCRE1455 | 2022-06-09 15:36 | 2022-06-10 09:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Second month's statement for this account provided with transactions in line to prior documentation for the business. - Due Diligence Vendor-06/10/2022 <br> Ready for Review-Document Uploaded. Please review the March stmnt for this account - thank you. - Seller-06/09/2022 <br> Open-Asset 1 Less Than 2 Months Verified April Bank statement for xxx saving #xxx . Missing March bank statement as guideline required most recent 2 months bank statements - Due Diligence Vendor-06/08/2022 | Ready for Review-Document Uploaded. Please review the March stmnt for this account - thank you. - Seller-06/09/2022<br>| Resolved-Second month's statement for this account provided with transactions in line to prior documentation for the business. - Due Diligence Vendor-06/10/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 799210 |  | 146727 C A | Closed | FCRE1456 | 2022-06-09 15:36 | 2022-06-10 09:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Second month's statement for this account provided with transactions in line to prior documentation for the business. - Due Diligence Vendor-06/10/2022 <br> Ready for Review-Document Uploaded. Please review the March stmnt for this account - thank you. - Seller-06/09/2022 <br> Open-Asset 2 Less Than 2 Months Verified April Bank statement for xxx checking #xxx . Missing March bank statement as guideline required most recent 2 months bank statements - Due Diligence Vendor-06/08/2022 | Ready for Review-Document Uploaded. Please review the March stmnt for this account - thank you. - Seller-06/09/2022<br>| Resolved-Second month's statement for this account provided with transactions in line to prior documentation for the business. - Due Diligence Vendor-06/10/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 261877 |  | 646547 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 583582 |  | 842093 D A | Closed | FPRO1244 | 2022-06-09 18:40 | 2022-06-14 11:51 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value xxx or 0% variance . finding resolved - Due Diligence Vendor-06/14/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-06/09/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-06/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-06/09/2022<br>| Resolved-desk review provided with value xxx or 0% variance . finding resolved - Due Diligence Vendor-06/14/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| 146727 |  | 910479 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 646547 |  | 986405 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| 842093 |  | 423885 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 910479 |  | 663320 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 986405 |  | 957475 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |

---

## Exhibit 99.6

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Investor ID** | **Seller Loan ID** | **Original Loan Amount** |
| 787336 |  |  | xxx D B A |
| 115671 |  |  | xxx A |
| 886314 |  |  | xxx A D |
| 235518 |  |  | xxx A |
| 324506 |  |  | xxx A D |
| 861460 |  |  | xxx A |
| 617291 |  |  | xxx A B |
| 101759 |  |  | xxx A C B |
| 398437 |  |  | xxx A |
| 627736 |  |  | xxx C B A |
| 857726 |  |  | xxx A B |
| 446305 |  |  | xxx C B A |
| 609477 |  |  | xxx A B |
| 448635 |  |  | xxx A C B |
| 729687 |  |  | xxx A B |
| 403324 |  |  | xxx C B A |
| 606879 |  |  | xxx A B |
| 420418 |  |  | xxx D B A |
| 250839 |  |  | xxx A B |
| 405351 |  |  | xxx A |
| 560030 |  |  | xxx A |
| 635478 |  |  | xxx A |
| 825949 |  |  | xxx A B |
| 897884 |  |  | xxx A B |
| 679183 |  |  | xxx A B |
| 166696 |  |  | xxx A B |
| 328064 |  |  | xxx D A |
| 266362 |  |  | xxx A B |
| 621701 |  |  | xxx A D |
| 277038 |  |  | xxx A D |
| 503672 |  |  | xxx A B |
| 459718 |  |  | xxx A B |
| 582371 |  |  | xxx A C |
| 447156 |  |  | xxx A B |
| 380304 |  |  | xxx A B |
| 664063 |  |  | xxx A |
| 814114 |  |  | xxx D B A |
| 483998 |  |  | xxx A B |
| 172565 |  |  | xxx C A B |
| 208059 |  |  | xxx A |
| 687026 |  |  | xxx C A |
| 373767 |  |  | xxx C A |
| 618410 |  |  | xxx A |
| 414653 |  |  | xxx A |
| 367265 |  |  | xxx A B |
| 733349 |  |  | xxx A |
| 226328 |  |  | xxx A |
| 122358 |  |  | xxx C A |
| 896925 |  |  | xxx A B |
| 865045 |  |  | xxx A D |
| 826378 |  |  | xxx A |
| 621086 |  |  | xxx A |
| 905755 |  |  | xxx A |
| 896615 |  |  | xxx C B A |
| 938351 |  |  | xxx A B |
| 639561 |  |  | xxx A |
| 503578 |  |  | xxx C A |
| 137799 |  |  | xxx C A |
| 988106 |  |  | xxx A D |
| 376393 |  |  | xxx C A |
| 111515 |  |  | xxx C A |
| 269030 |  |  | xxx C A |
| 536543 |  |  | xxx A |
| 688711 |  |  | xxx A |
| 676914 |  |  | xxx A B |
| 483137 |  |  | xxx A |
| 952594 |  |  | xxx A |
| 381940 |  |  | xxx A B |
| 259416 |  |  | xxx A D B |
| 993696 |  |  | xxx A |
| 858579 |  |  | xxx A |
| 822484 |  |  | xxx A D |
| 530025 |  |  | xxx A |
| 570430 |  |  | xxx C B A |
| 942947 |  |  | xxx A B |
| 124077 |  |  | xxx A |
| 993739 |  |  | xxx A C D B |
| 726217 |  |  | xxx A |
| 788230 |  |  | xxx A C |
| 970470 |  |  | xxx C A |
| 859584 |  |  | xxx A |
| 720217 |  |  | xxx A C |
| 903945 |  |  | xxx A |
| 299003 |  |  | xxx A D B |
| 217968 |  |  | xxx A |
| 236399 |  |  | xxx A |
| 209905 |  |  | xxx D C A |
| 495582 |  |  | xxx A D |
| 459327 |  |  | xxx A |
| 678372 |  |  | xxx A D |
| 449304 |  |  | xxx A B |
| 132090 |  |  | xxx A |
| 362357 |  |  | xxx A |
| 903639 |  |  | xxx A C B |
| 829833 |  |  | xxx A B |
| 967141 |  |  | xxx A |
| 786409 |  |  | xxx C A |
| 541454 |  |  | xxx A D |
| 536092 |  |  | xxx A C |
| 408809 |  |  | xxx D A B |
| 780617 |  |  | xxx A |
| 896231 |  |  | xxx A |
| 513059 |  |  | xxx D A |
| 564404 |  |  | xxx A |
| 965994 |  |  | xxx A |
| 860595 |  |  | xxx A B |
| 487008 |  |  | xxx A B |
| 665892 |  |  | xxx A C |
| 568499 |  |  | xxx A C B |
| 268615 |  |  | xxx A B |
| 663087 |  |  | xxx C A |
| 488018 |  |  | xxx A |
| 964196 |  |  | xxx A |
| 144276 |  |  | xxx A |
| 873900 |  |  | xxx A B |
| 326414 |  |  | xxx A |
| 931716 |  |  | xxx A B |
| 241097 |  |  | xxx A |
| 142667 |  |  | xxx A |
| 315517 |  |  | xxx A |
| 175258 |  |  | xxx A B |
| 961528 |  |  | xxx A C B |
| 608271 |  |  | xxx A |
| 589454 |  |  | xxx A B |
| 353768 |  |  | xxx A |
| 670693 |  |  | xxx A B |
| 259186 |  |  | xxx A B |
| 916219 |  |  | xxx A D B |
| 970100 |  |  | xxx A B |
| 263924 |  |  | xxx A B |
| 381562 |  |  | xxx A B |
| 538932 |  |  | xxx A |
| 640584 |  |  | xxx D B A |
| 326539 |  |  | xxx A B |
| 645651 |  |  | xxx A B |
| 722815 |  |  | XXX A C |
| 899011 |  |  | XXX A D |
| 585632 |  |  | XXX A D |
| 541053 |  |  | XXX A D |
| 649431 |  |  | XXX A D |
| 429937 |  |  | XXX A D |
| 911925 |  |  | XXX A C D |
| 381880 |  |  | XXX A C D |
| 537968 |  |  | XXX A D |
| 663806 |  |  | XXX A D |
| 674846 |  |  | XXX A C |
| 155712 |  |  | XXX A D |
| 240565 |  |  | XXX A C |
| 849561 |  |  | XXX A |
| 755223 |  |  | XXX D A |
| 622649 |  |  | XXX A C D |
| 430783 |  |  | XXX A C |
| 663320 |  |  | XXX A |
| 818481 |  |  | XXX A |
| 892245 |  |  | XXX A D |
| 654761 |  |  | XXX A D |
| 769612 |  |  | XXX A |
| 854726 |  |  | XXX A |
| 823714 |  |  | XXX A C |
| 553750 |  |  | XXX A |
| 128173 |  |  | XXX A |
| 876692 |  |  | XXX A |
| 839777 |  |  | XXX A D |
| 678699 |  |  | XXX A |
| 224436 |  |  | XXX A D |
| 217205 |  |  | XXX A D |
| 957475 |  |  | XXX A D |
| 255744 |  |  | XXX A |
| 767320 |  |  | XXX A |
| 874699 |  |  | XXX A |
| 753596 |  |  | XXX A C |
| 626084 |  |  | XXX A D |
| 797628 |  |  | XXX A D |
| 180608 |  |  | XXX A C |
| 427988 |  |  | XXX A |
| 914606 |  |  | XXX A |
| 343266 |  |  | XXX A |
| 190666 |  |  | XXX A |
| 912271 |  |  | XXX A |
| 807370 |  |  | XXX A |
| 423885 |  |  | XXX A D |
| 722785 |  |  | XXX A |
| 501885 |  |  | XXX A |
| 944450 |  |  | XXX A D |
| 538401 |  |  | XXX A |
| 776417 |  |  | XXX A |
| 528443 |  |  | XXX A |
| 460126 |  |  | XXX A |
| 897700 |  |  | XXX A |
| 165277 |  |  | XXX A D |
| 919018 |  |  | XXX A |
| 477099 |  |  | XXX A C D |
| 338726 |  |  | XXX A C D |
| 624178 |  |  | XXX C A D B |
| 366671 |  |  | XXX A D |
| 510129 |  |  | XXX A D |
| 714446 |  |  | XXX A C |
| 629921 |  |  | XXX C A B |
| 522563 |  |  | XXX A C |
| 184013 |  |  | XXX A D |
| 849248 |  |  | XXX A D |
| 292313 |  |  | XXX A C |
| 351039 |  |  | XXX A |
| 810232 |  |  | XXX A |
| 228426 |  |  | XXX A |
| 913684 |  |  | XXX A |
| 398789 |  |  | XXX A |
| 157507 |  |  | XXX A D |
| 886952 |  |  | XXX A C |
| 310353 |  |  | XXX A D B |
| 240801 |  |  | XXX A |
| 796607 |  |  | XXX A |
| 759725 |  |  | XXX A C D B |
| 252787 |  |  | XXX A |
| 410716 |  |  | XXX A |
| 179174 |  |  | XXX A |
| 723285 |  |  | XXX A C B |
| 211593 |  |  | XXX A B |
| 695991 |  |  | XXX A D |
| 603889 |  |  | XXX A C |
| 222149 |  |  | XXX A C D |
| 539278 |  |  | XXX A D |
| 279149 |  |  | XXX A |
| 243336 |  |  | XXX C A B |
| 338572 |  |  | XXX A |
| 711106 |  |  | XXX A D |
| 812478 |  |  | XXX C A |
| 724224 |  |  | XXX A C |
| 594572 |  |  | XXX D A |
| 337783 |  |  | XXX A C D |
| 138822 |  |  | XXX A C D |
| 979947 |  |  | XXX A C |
| 464901 |  |  | XXX A C |
| 530688 |  |  | XXX A C D |
| 766709 |  |  | XXX A C D |
| 624439 |  |  | XXX A C B |
| 852729 |  |  | XXX A C |
| 185885 |  |  | XXX A C B |
| 219175 |  |  | XXX A C |
| 368853 |  |  | XXX A D |
| 557391 |  |  | XXX D C A |
| 586393 |  |  | XXX A C D |
| 282992 |  |  | XXX C A |
| 569193 |  |  | XXX A |
| 102299 |  |  | XXX A |
| 425123 |  |  | XXX A C |
| 395289 |  |  | XXX A C |
| 625282 |  |  | XXX A |
| 353942 |  |  | XXX A C |
| 128870 |  |  | XXX A D B |
| 137825 |  |  | XXX D C B A |
| 892765 |  |  | XXX D C A |
| 305459 |  |  | XXX A C D |
| 923464 |  |  | XXX A C D B |
| 803745 |  |  | XXX A D |
| 323886 |  |  | XXX A D |
| 305580 |  |  | XXX A D |
| 497893 |  |  | XXX A |
| 388296 |  |  | XXX A D |
| 435684 |  |  | XXX A D |
| 618613 |  |  | XXX A |
| 647931 |  |  | XXX A |
| 715473 |  |  | XXX A D |
| 826680 |  |  | XXX C A D B |
| 799210 |  |  | XXX C A |
| 261877 |  |  | XXX A |
| 583582 |  |  | XXX A D |
| 146727 |  |  | XXX A |
| 646547 |  |  | XXX A |
| 842093 |  |  | XXX A C |
| 910479 |  |  | XXX A B |
| 986405 |  |  | XXX A |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Borrower Name** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **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 Vendor** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 787336 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 115671 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 886314 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 235518 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 324506 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861460 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 617291 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 101759 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 398437 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 627736 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 857726 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 446305 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 609477 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | 0.0431 | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | 0.0431 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 448635 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 729687 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 403324 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 606879 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 420418 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 250839 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 405351 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 560030 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 635478 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 825949 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 897884 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 679183 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -0.0063 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 166696 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -0.0217 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 328064 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 266362 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 621701 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 277038 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -0.0725 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 503672 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -0.2500 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 459718 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 582371 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 447156 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 380304 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -0.0281 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 664063 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -0.0558 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 814114 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 483998 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 172565 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 208059 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 687026 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 373767 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 618410 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 414653 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 367265 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 733349 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 226328 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122358 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 896925 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865045 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | 0.0376 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 826378 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 621086 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 905755 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 896615 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 938351 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 639561 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 503578 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | 0.0917 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 137799 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 988106 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 376393 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 111515 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 269030 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 536543 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -0.0571 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 688711 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 676914 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 483137 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 952594 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 381940 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 259416 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 993696 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858579 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -0.0172 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 822484 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 530025 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 570430 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 942947 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 993739 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 726217 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 788230 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 970470 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859584 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | 0.0257 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 720217 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 903945 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 299003 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 217968 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 236399 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 209905 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 495582 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 459327 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 678372 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 449304 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 132090 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 362357 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 903639 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 829833 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 967141 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 541454 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 564404 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 568499 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | 0.0135 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 964196 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 144276 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 873900 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 241097 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 175258 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 124077 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -0.0278 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 786409 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 536092 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 408809 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 780617 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 896231 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 513059 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 965994 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -0.0400 | xxx | 0% | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 860595 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 487008 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 665892 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 268615 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 663087 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 488018 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 326414 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 931716 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 142667 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 315517 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 961528 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 608271 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 589454 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.6300 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 353768 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -0.0588 | xxx | No Significant Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 670693 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | 0% | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 259186 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 916219 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | 0.0124 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 970100 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 263924 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | No Variation in value from Primary | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 381562 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 538932 |  | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 640584 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 326539 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | .000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 645651 |  | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |
| 722815 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .020 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 899011 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 585632 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 541053 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.422 | XXX |  | XXX | XXX | XXX | XXX | .000 | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 649431 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 429937 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 911925 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .047 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 381880 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.208 | XXX |  | XXX | XXX | XXX | XXX | .000 | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 537968 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.023 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 663806 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 674846 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.029 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 155712 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 240565 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.081 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849561 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.037 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 755223 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .021 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 622649 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 663320 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.032 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 430783 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 818481 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .035 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 892245 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.055 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 654761 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 769612 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .008 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854726 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.059 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 823714 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.017 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 553750 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | .000 | XXX | Moderate Risk |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 128173 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 876692 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.007 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839777 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.231 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 678699 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.014 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 224436 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.023 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 217205 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.171 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 957475 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.388 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 255744 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -0.005 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 767320 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.019 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 874699 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .006 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 753596 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.076 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 626084 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 797628 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 180608 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.039 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 427988 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .009 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 914606 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 343266 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .055 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 190666 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.062 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 912271 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.049 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 807370 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .024 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 423885 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.267 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 722785 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.006 | XXX | XXX | XXX | XXX | .004 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 501885 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.012 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 944450 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.119 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 538401 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .012 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776417 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.009 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 528443 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .009 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 460126 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.089 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 897700 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.002 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 165277 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 919018 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.022 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 477099 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.136 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 338726 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 624178 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.095 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 366671 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 510129 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .261 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 714446 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.062 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 629921 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.013 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 522563 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.034 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 184013 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849248 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .059 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 292313 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .002 | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 351039 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 810232 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.045 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 228426 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 913684 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .251 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 398789 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 157507 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 886952 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.010 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 310353 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.224 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 240801 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.034 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 796607 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.012 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 759725 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 252787 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .005 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 410716 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 179174 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.027 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 723285 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.032 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 211593 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.060 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 695991 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 603889 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .009 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222149 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 539278 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 279149 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.041 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 243336 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .016 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 338572 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .009 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 711106 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .026 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 812478 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .024 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 724224 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .020 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 594572 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 337783 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .242 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 138822 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 979947 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .013 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 464901 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.046 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 530688 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 766709 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 624439 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .007 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852729 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .010 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 185885 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 219175 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.040 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 368853 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.224 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 557391 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .353 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 586393 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.108 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 282992 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .010 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 569193 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .010 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 102299 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.082 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 425123 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 395289 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .089 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 625282 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.011 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 353942 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .047 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 128870 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .029 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 137825 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 892765 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305459 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .071 | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | .071 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 923464 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.154 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 803745 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.393 | XXX | XXX | XXX | XXX | XXX | XXX | -.069 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 323886 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .027 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305580 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 497893 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .089 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 388296 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.356 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 435684 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.152 | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 618613 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.080 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 647931 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.072 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 715473 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.091 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 826680 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 799210 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .068 | XXX | XXX | XXX | XXX | .000 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 261877 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .065 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 583582 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 146727 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.027 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 646547 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .087 | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842093 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 910479 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 986405 |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 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?** |
| 787336 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | Yes | No | No | false | No | No | No | No | No | 12574 | 5.329 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 115671 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No | false | No | No | No | No | No | 14586.5 | 6.626 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 886314 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 9594.19 | 4.882 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 235518 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No | false | No | No | No | No | No | 13349 | 5.872 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 324506 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | false | No | No | No | No | Yes | 10442.75 | 5.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 861460 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | Yes | Yes | No | No | false | No | No | No | No | Yes | 7819.08 | 5.224 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 617291 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | true | No | No | No | No | No | 17599 | 4.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 101759 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | Yes | No | No | No | false | No | No | No | No | Yes | 10269 | 4.841 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 398437 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 6730.25 | 5.114 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 627736 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | Yes | No | No | No | false | No | No | No | No | No | 6548.2 | 5.026 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 857726 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | Yes | 19099 | 5.235 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 446305 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | true | No | No | No | No | No | 23699 | 4.631 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed |  | No |  | No | N/A |
| 609477 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 13949 | 4.504 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 448635 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | Yes | 7325 | 5.193 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 729687 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 13749 | 6.635 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 403324 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 7780.25 | 5.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 606879 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | true | No | No | No | No | No | 36713 | 4.685 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 420418 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 3275.25 | 4.212 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 250839 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | Yes | 13975.87 | 4.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 405351 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | Yes |  | No | No | false | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed |  | No |  | No | N/A |
| 560030 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 4939 | 5.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 635478 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 18311.5 | 5.965 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 825949 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | true | No | No | No | No | No | 8584 | 4.891 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 897884 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | true | No | No | No | No | No | 15889 | 5.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 679183 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 9103 | 6.147 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 166696 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 8559 | 4.948 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed |  | No |  | No | N/A |
| 328064 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 266362 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No | false | No | No | No | No | Yes | 12474 | 5.43 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Employed | No | No | No | N/A |
| 621701 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 31517.75 | 4.524 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 277038 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | true | No | No | No | No | No | 9474 | 4.973 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 503672 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | false | No | No | No | No | No | 10194 | 4.998 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 459718 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | Yes | 4322 | 4.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 582371 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | true | No | Yes | No | No | No | 21990.2 | 5.12 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 447156 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | Yes | 31917 | 7.531 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 380304 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | false | No | No | No | No | No | 15839 | 4.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 664063 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 5793 | 5.509 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 814114 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No |  | No | No | false | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 483998 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | false | No | No | No | No | No | 6699 | 6.389 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 172565 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 208059 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | Yes | No | No | No | false | No | No | No | No | No | 16089 | 5.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 687026 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 9294 | 6.469 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 373767 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | true | No | No | No | No | No | 9822.75 | 6.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 618410 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 11389 | 6.397 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 414653 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 367265 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | Yes | No | No | false | No | No | No | No | Yes | 10212 | 5.845 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 733349 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 226328 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | false | No | No | No | No | No | 6699 | 4.604 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 122358 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 13734 | 5.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 896925 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | Yes | No | No | No | false | No | No | No | No | No | 18599 | 5.249 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 865045 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Not Tested | Yes | No | No | No | true | Yes | No | No | No | Yes | 25837.39 | 6.1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 826378 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | false | No | No | No | No | No | 13547 | 5.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 621086 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | Yes | 9074 | 5.955 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 905755 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | Yes | Yes | No | No | false | No | No | No | No | No | 9185.25 | 5.499 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 896615 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 28599 | 5.268 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 938351 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | true | No | No | No | No | No | 8949 | 5.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 639561 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | Yes | No | No | true | No | No | No | No | No | 8161.5 | 5.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 503578 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 137799 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 988106 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 376393 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | true | No | No | No | No | Yes | 31014 | 5.868 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 111515 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 8677.75 | 7.157 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 269030 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 536543 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 38786.5 | 5.757 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 688711 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 47104.05 | 5.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 676914 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | false | No | No | No | No | Yes | 15129 | 4.994 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 483137 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No | false | No | No | No | No | Yes | 8032.88 | 5.35 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 952594 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 381940 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | Yes | 8911.28 | 6.854 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 259416 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No | false | No | No | No | No | No | 8338.12 | 6.25 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 993696 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | No | No | No | No | false | No | No | No | No | No | 21199 | 6.726 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 858579 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 822484 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | false | No | No | No | No | No | 16368 | 7.163 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 530025 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | Yes | 13253.96 | 5.404 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 570430 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 15905.2 | 6.383 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 942947 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 8319 | 6.22 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 993739 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | Yes | 11959 | 5.762 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 726217 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | Yes | 7878 | 6.264 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 788230 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | true | No | No | No | No | Yes | 38942.81 | 5.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 970470 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 859584 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 13439 | 7.37 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 720217 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | false | No | No | No | No | No | 4479 | 6.418 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 903945 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 17139 | 5.471 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 299003 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Not Tested | Yes | No | No | No | false | Yes | No | No | No | Yes | 15432.06 | 7.313 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Employed | No | No | Yes | Present |
| 217968 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | Yes | No | No | true | No | No | No | No | No | 8595.6 | 7.36 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 236399 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | true | No | No | No | No | No | 35386.5 | 6.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 209905 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 25806.5 | 7.519 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 495582 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 7566.46 | 6.317 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 459327 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 678372 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Employed |  | No |  | Yes | Present |
| 449304 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 17769 | 4.861 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 132090 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 16599 | 5.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 362357 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | No | 7839 | 8.299 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 903639 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 9836.13 | 7.266 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 829833 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 15059 | 6.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 967141 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Employed |  | No |  | Yes | Present |
| 541454 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 6849 | 6.52 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 564404 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | Yes | 11625.56 | 6.856 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 568499 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 10430.25 | 7.966 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 964196 |  |  | xxx | 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 | N/A | Employed |  | No |  | Yes | Present |
| 144276 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | Yes | No | No | No | No | No | 29596.85 | 6.473 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 873900 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | No | No | No | No | No | Yes | 13115 | 6.437 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 241097 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | No | No | No | No | No | Yes | 4788.62 | 8.845 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 175258 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | No | No | No | Yes | No | No | No | No | No | 21849 | 6.199 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 124077 |  |  | xxx | 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 | N/A | Employed |  | No |  | Yes | Present |
| 786409 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 12354.8 | 6.296 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 536092 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 17748.38 | 7.608 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 408809 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Employed |  | No |  | Yes | Present |
| 780617 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | Yes | No | No | No | No | No | No | No | Yes | 12386.96 | 6.82 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 896231 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | No | No | No | No | No | No | No | No | No | 16599 | 6.923 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 513059 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Employed |  | No |  | Yes | Present |
| 965994 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | 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 | N/A | Employed | Employed | No | No | Yes | Present |
| 860595 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | No | No | No | No | No | No | 9929 | 5.765 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 487008 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | No | 9924 | 7.171 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 665892 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | Yes | No | No | No | No | No | 12490.5 | 5.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 268615 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | Yes | No | No | No | No | Yes | 11848 | 5.491 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 663087 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 13849 | 5.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 488018 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 8599 | 6.406 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 326414 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | Yes | 15817.75 | 7.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 931716 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 9149 | 6.131 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 142667 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Employed |  | No |  | Yes | Present |
| 315517 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Employed |  | No |  | Yes | Present |
| 961528 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | No | No | No | Yes | No | No | No | No | No | 31269 | 6.143 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Employed | No | No | No | N/A |
| 608271 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 11949 | 5.996 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 589454 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | Yes | No | No | No | No | No | 32599 | 6.633 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 353768 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | Yes | No | No | No | No | No | 43599 | 5.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 670693 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 14849.62 | 7.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 259186 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 9699 | 8.057 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 916219 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Pass | Yes | No | No | No | Yes | Yes | No | No | No | Yes | 30047 | 6.349 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 970100 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | No | No | No | No | No | No | No | No | No | 27449 | 5.661 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 263924 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 14949 | 7.443 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 381562 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 538932 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 5349 | 7.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 640584 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 10524 | 7.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 326539 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No |  | No | No | Yes | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 645651 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 35995.8 | 6.908 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 722815 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Not Tested | No | No | No | No | No | Yes | No | No | No | No | 1660 | 3.956 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 899011 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 585632 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 11895 | 4.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 541053 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 5981 | 3.769 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 649431 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 6225 | 3.858 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 429937 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 13080.38 | 3.745 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 911925 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Yes | 9000 | 4.281 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 381880 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 13290 | 3.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 537968 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 3665 | 4.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 663806 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 6965 | 3.868 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 674846 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Yes | 5095 | 4.134 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 155712 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 5000 | 4.062 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No |  | No | N/A |
| 240565 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 5846.38 | 3.415 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 849561 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 7295 | 3.573 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 755223 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes | No | No | No | No | Yes | No | No | No |  |  | 3.841% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 622649 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Yes | 8942 | 4.296 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 663320 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 11235 | 4.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 430783 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Yes | 33104.95 | 4.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 818481 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 4191.25 | 3.732 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 892245 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 3281 | 3.826 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 654761 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 12545 | 3.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 769612 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 7303.13 | 3.888 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 854726 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 10040 | 4.22 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 823714 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Yes | 9216.27 | 4.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 553750 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 30000 | 3.346 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 128173 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 5920 | 3.511 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 876692 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 4.016% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 839777 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 10000 | 3.278 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 678699 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 6420 | 3.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed |  | No |  | No | N/A |
| 224436 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 4.056% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 217205 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 4.062% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 957475 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 12800 | 4.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 255744 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 10095 | 3.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 767320 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Yes | 11665 | 4.304 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 874699 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 7945 | 4.236 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 753596 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 8534 | 4.297 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 626084 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 14820 | 4.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 797628 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 6848 | 3.988 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 180608 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | Yes | 8015 | 4.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 427988 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 38793.75 | 4.223 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 914606 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 2495 | 3.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 343266 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 1430 | 4.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 190666 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 8495 | 3.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 912271 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 23790 | 4.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 807370 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 15295 | 4.096 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 423885 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Yes | 8045 | 3.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 722785 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 13625 | 4.132 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 501885 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 3735 | 4.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No | No | No | N/A |
| 944450 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 3795 | 4.024 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 538401 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 776417 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 6690 | 3.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 528443 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | Corr | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 460126 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 12315 | 3.566 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 897700 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 165277 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0395 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 919018 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0726 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 477099 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | Yes | 9095 | 7.631 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Retired |  | No |  | No | N/A |
| 338726 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | No | 8510 | 7.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 624178 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.075 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | Yes |  | Yes | Present |
| 366671 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.0894 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 510129 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.0967 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 714446 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | Yes | 10505 | 6.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 629921 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Yes | 23690 | 7.984 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 522563 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 11068.13 | 4.239 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 184013 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | Yes | No | No | No | No | No | No | No | No | 21717.38 | 7.91 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 849248 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | No | 3374 | 6.885 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 292313 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | No | 6287 | 7.577 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 351039 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.069 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 810232 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0709 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 228426 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0713 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 913684 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0698 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 398789 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0398 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 157507 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | No | 1850 | 8.203 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 886952 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | Yes | 8110 | 6.983 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 310353 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 6636.88 | 7.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 240801 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0737 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 796607 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | Yes | 10845 | 7.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 759725 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0768 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 252787 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0856 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 410716 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0898 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 179174 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.0756 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 723285 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | No | 5263 | 7.432 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Employed | No | No | No | N/A |
| 211593 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 13512.5 | 7.168 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 695991 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No | No | No | No | No | No | No | 6021.4 | 7.058 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 603889 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 8095 | 7.011 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 222149 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 8331.25 | 7.44 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 539278 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0754 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 279149 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0768 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 243336 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0676 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 338572 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0873 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 711106 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0797 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 812478 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0718 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 724224 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 8399 | 7.515 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 594572 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0715 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 337783 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 5396 | 7.297 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 138822 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | No | No | No | No | No | Yes | 8445 | 6.969 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 979947 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 7735 | 7.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 464901 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 10857.5 | 8.403 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 530688 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | Yes | 7245 | 7.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 766709 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 5575 | 8.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 624439 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | Yes | No | No | No | No | No | 9890 | 7.658 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 852729 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 7695 | 8.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 185885 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 17573.38 | 8.315 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 219175 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | Yes | No | No | No | No | No | No | No | Yes | 13870 | 7.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 368853 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | Yes | Yes | No | No | No |  |  | 0.0729 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 557391 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | No | 6825.7 | 7.028 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 586393 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 14840 | 7.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 282992 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No | No | No | No | No | No | No | 17795 | 6.86 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 569193 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0731 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 102299 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0794 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 425123 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | Yes | 9045 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 395289 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | No | No | No | No | No | No | 14300 | 7.423 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 625282 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0744 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 353942 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 4045 | 7.346 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 128870 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 10096.88 | 7.664 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 137825 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | No | No | No | No | No | Yes | 8720 | 8.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 892765 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 11299 | 8.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 305459 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 18845 | 7.998 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed |  | No |  | No | N/A |
| 923464 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | Yes | No | No | No | No | No | 8045 | 6.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No |  | No | N/A |
| 803745 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0851 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 323886 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.077 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 305580 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0924 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 497893 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0745 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No |  | Yes | Present |
| 388296 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 0.0824 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 435684 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0774 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 618613 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0712 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 647931 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0759 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 715473 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes | No | No | No | No | Yes | No | No | No |  |  | 0.0814 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 826680 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0826 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 799210 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.071 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 261877 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0757 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 583582 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0727 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 146727 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0784 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 646547 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0795 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 842093 |  |  | XXX |  |  |  |  | Not Tested |  | Yes | No | No |  |  | No |  |  | No | 7795 | 6.879 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 910479 |  |  | XXX |  |  |  |  | Not Tested |  | Yes | No | No |  |  | No |  |  | Yes | 4600 | 8.501 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 986405 |  |  | XXX |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |

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## Exhibit 99.6

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** |  |
| 861460 | xxx | Note Date | notePage | xxx | xxx | Note Date |
| 414653 | xxx | Property Type | propertyValuationPage | PUD | Condominium | Property Type |
| 414653 | xxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.59 | 14.863 | Qualifying Total Debt Income Ratio |
| 367265 | xxx | Sales Price | propertyValuationPage | xxx | xxx | Sales Price |
| 137799 | xxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type |
| 993739 | xxx | Property Type | propertyValuationPage | Single Family Detached | Attached | Property Type |
| 408809 | xxx | Property Type | propertyValuationPage | Two to Four Unit | Attached | Property Type |
| 961528 | xxx | Qualifying CLTV | diligenceFinalLookPage | 57.38 | 58.334 | Qualifying CLTV |
| 961528 | xxx | Note Date | notePage | xxx | xxx | Note Date |
| 961528 | xxx | Primary Appraised Property Value | propertyValuationPage | xxx | xxx | Primary Appraised Property Value |
| 961528 | xxx | Qualifying LTV | diligenceFinalLookPage | 57.38 | 58.334 | Qualifying LTV |
| 537968 | xxx | Application Date | the1003Page | xxx | xxx | Application Date |
| 663806 | xxx | Application Date | the1003Page | xxx | xxx | Application Date |
| 674846 | xxx | Qualifying FICO | creditLiabilitiesPage | xxx | xxx | Qualifying FICO |
| 755223 | xxx | Property Value | propertyValuationPage | xxx | xxx | Property Value |
| 818481 | xxx | Application Date | the1003Page | xxx | xxx | Application Date |
| 797628 | xxx | Application Date | the1003Page | xxx | xxx | Qualifying CLTV |
| 797628 | xxx | Qualifying CLTV | diligenceFinalLookPage | 63.46 | 69.99% | Qualifying LTV |
| 797628 | xxx | Qualifying LTV | diligenceFinalLookPage | 63.46 | 69.99% | Qualifying Total Debt Income Ratio |
| 797628 | xxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.17 | 11.04% | Property Value |
| 912271 | xxx | Property Value | propertyValuationPage | xxx | xxx | Application Date |
| 807370 | xxx | Application Date | the1003Page | xxx | xxx | Application Date |
| 501885 | xxx | Application Date | the1003Page | xxx | xxx | Loan Amount/Draw Amount |
| 165277 | xxx | Loan Amount/Draw Amount | notePage | xxx | xxx | Borrower 1 Citizen |
| 624178 | xxx | Borrower 1 Citizen | the1003Page | Foreign National | Permanent Resident Alien | Borrower 1 Citizen |
| 366671 | xxx | Borrower 1 Citizen | the1003Page | Foreign National | Non Permanent Resident Alien | Qualifying FICO |
| 629921 | xxx | Qualifying FICO | creditLiabilitiesPage | xxx | xxx | Qualifying Total Debt Income Ratio |
| 522563 | xxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.79 | 0.40 | Application Date |
| 849248 | xxx | Application Date | the1003Page | xxx | xxx | Application Date |
| 886952 | xxx | Application Date | the1003Page | xxx | xxx | Borrower 1 Citizen |
| 240801 | xxx | Borrower 1 Citizen | the1003Page | Foreign National | Permanent Resident Alien | Application Date |
| 179174 | xxx | Application Date | the1003Page | xxx | xxx | Higher Priced Mortgage Loan (HPML) Flag |
| 211593 | xxx | Higher Priced Mortgage Loan (HPML) Flag | complianceResultsPage | No | Yes | Loan Amount/Draw Amount |
| 243336 | xxx | Loan Amount/Draw Amount | notePage | xxx | xxx | Borrower 1 Citizen |
| 711106 | xxx | Borrower 1 Citizen | the1003Page | Foreign National | Permanent Resident Alien | Qualifying FICO |
| 852729 | xxx | Qualifying FICO | creditLiabilitiesPage | xxx | xxx | Property Value |
| 557391 | xxx | Property Value | propertyValuationPage | xxx | xxx | Higher Priced Mortgage Loan (HPML) Flag |
| 395289 | xxx | Higher Priced Mortgage Loan (HPML) Flag | complianceResultsPage | No | Yes | Application Date |
| 923464 | xxx | Application Date | complianceDetailPage | xxx | xxx | Qualifying FICO |
| 323886 | xxx | Qualifying FICO | creditLiabilitiesPage | xxx | xxx | Application Date |
| 435684 | xxx | Application Date | complianceDetailPage | xxx | xxx | Property Value |
| 799210 | xxx | Property Value | propertyValuationPage | xxx | xxx | Application Date |
| 583582 | xxx | Application Date | complianceDetailPage | xxx | xxx | Application Date |
| 146727 | xxx | Application Date | complianceDetailPage | xxx | xxx |  |

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## Exhibit 99.7

**Exhibit 99.7**

 ****

![](n5837infinity_img002.jpg)

EXECUTIVE SUMMARY

BRAVO 2026-NQMR1

April 15, 2026

INFINITY INTERNATIONAL PROCESSING SERVICES, INC.

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|:---|:---|
| &nbsp;&nbsp;0 | &nbsp;&nbsp;Page |

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![](n5837infinity_img001.jpg)

**TABLE OF CONTENTS**

 ****

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| | |
|:---|:---|
| Infinity Biography | 2 |
| Description of the due diligence performed | 3 |
| Summary of findings and conclusions of review | 16 |
| Tape Integrity Review Results Summary | 16 |
| Additional Loan Population Summary | 17 |

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|:---|:---|
| &nbsp;&nbsp;1 | &nbsp;&nbsp;Page |

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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 Loan Funding Structure LLC ("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 fifty-one (51) mortgage loans that were originally reviewed from December 2021 to May 2022.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ "Compliance Review" 11 <sup>1</sup> Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit Review" 51 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Property Review" 51 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity" 51 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 fifty-one (51) 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:

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| &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 Flag |
| &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 |  |

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<sup>1</sup> Forty (40) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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**(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 fifty-one (51) 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 13 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,

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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.

**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 thirty-six (36) 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 fifty-one (51) mortgage loans. For these fifty-one (51) 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 eleven (11) mortgage loans. Forty (40) exempt loans were not subject to a compliance review and did not receive a compliance grade. 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

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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.

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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&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.

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|:---|:---|
| &nbsp;&nbsp;11 | &nbsp;&nbsp;Page |

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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.)

&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.

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

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|:---|:---|
| &nbsp;&nbsp;12 | &nbsp;&nbsp;Page |

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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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|:---|:---|
| &nbsp;&nbsp;13 | &nbsp;&nbsp;Page |

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

![](n5837infinity_img001.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").

**OVERALL RESULTS SUMMARY (51 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers fifty-one (51) mortgage loans. Within those mortgage loans, Infinity graded forty-seven (47) mortgage loans as "A" and four (4) 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;11 | &nbsp;&nbsp;47 | &nbsp;&nbsp;51 | &nbsp;&nbsp;47 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &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;100.00% | &nbsp;&nbsp;92.16% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;92.16% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7.84% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7.84% |
| &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% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (51 MORTGAGE LOANS)**

Of the fifty-one (51) mortgage loans reviewed, 21 (41.18%) mortgage loans had tape discrepancies across seven (7) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;B1 Citizenship Status | &nbsp;&nbsp;10 | &nbsp;&nbsp;51 | &nbsp;&nbsp;20% |
| &nbsp;&nbsp;B1 Credit Score | &nbsp;&nbsp;2 | &nbsp;&nbsp;51 | &nbsp;&nbsp;4% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;2% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;2% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;51 | &nbsp;&nbsp;18% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;2% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;51 | &nbsp;&nbsp;6% |

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**ADDITIONAL LOAN POPULATION SUMMARY (51 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 Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20601050.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20601050.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20601050.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20601050.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown | &nbsp;&nbsp;14 | &nbsp;&nbsp;27.45% | &nbsp;&nbsp;$6247100.00 | &nbsp;&nbsp;30.32% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;12 | &nbsp;&nbsp;23.53% | &nbsp;&nbsp;$5577900.00 | &nbsp;&nbsp;27.08% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;22 | &nbsp;&nbsp;43.14% | &nbsp;&nbsp;$6931550.00 | &nbsp;&nbsp;33.65% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;$1844500.00 | &nbsp;&nbsp;8.95% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20601050.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20601050.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20601050.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;11 | &nbsp;&nbsp;21.57% | &nbsp;&nbsp;$3968950.00 | &nbsp;&nbsp;19.27% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;40 | &nbsp;&nbsp;78.43% | &nbsp;&nbsp;$16632100.00 | &nbsp;&nbsp;80.73% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20601050.00** | &nbsp;&nbsp;**100.00%** |

---

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|:---|:---|
| &nbsp;&nbsp;17 | &nbsp;&nbsp;Page |

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**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Acra Rate Matrices, NQM Programs, 2022 03 10.pdf |
| &nbsp;&nbsp;Acra Rate Matrices, NQM Programs, 2022 03 23.pdf |
| &nbsp;&nbsp;Acra Rate Matrices, NQM Programs, 2022 04 19.pdf |
| &nbsp;&nbsp;Acra Rate Matrices, NQM Programs, 2022 05 01.pdf |
| &nbsp;&nbsp;Acra Rate Matrices, NQM Programs, 2022 05 06.pdf |
| &nbsp;&nbsp;Acra Rate Matrix, MultiFamily Program, 2022 04 19.pdf |
| &nbsp;&nbsp;Acra Rate Matrix, Non Prime, 2021 08 06.pdf |
| &nbsp;&nbsp;CSC Rate Matrix, 1st TDs, 2022 01 20.pdf |
| &nbsp;&nbsp;CSC Rate Matrix, 1st TDs, 2022 02 03.pdf |
| &nbsp;&nbsp;CSC Rate Matrix, 1st TDs, 2022 02 09.pdf |
| &nbsp;&nbsp;CSC Rate Matrix, 1st TDs, 2022 02 11.pdf |
| &nbsp;&nbsp;CSC Rate Matrix, 1st TDs, 2022 03 23.pdf |
| &nbsp;&nbsp;NQM Underwriting Guidelines, 2021 05 01.pdf |

---

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| | |
|:---|:---|
| &nbsp;&nbsp;18 | &nbsp;&nbsp;Page |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| <u>**Infinity Loan ID**</u> | <u>**Loan Number**</u> | <u>**REDACTED ID**</u> | <u>**Original Loan Amount**</u> | <u>**State**</u> | <u>**Note Date**</u> | <u>**Occupancy**</u> | <u>**Purpose**</u> | <u>**Final Overall Compliance Grade**</u> | <u>**DBRS INITIAL Compliance Grade**</u> | <u>**DBRS FINAL Compliance Grade**</u> | <u>**FITCH INITIAL Compliance Grade**</u> | <u>**FITCH FINAL Compliance Grade**</u> | <u>**KROLL INITIAL Compliance Grade**</u> | <u>**KROLL FINAL Compliance Grade**</u> | <u>**MOODY's INITIAL Compliance Grade**</u> | <u>**MOODY's FINAL Compliance Grade**</u> | <u>**S&P INITIAL Compliance Grade**</u> | <u>**S&P FINAL Compliance Grade**</u> |
| <u>xxx</u> | <u>xxx</u> | <u>797079</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>423511</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>229145</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Refinance</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>709357</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>879848</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Primary</u> | <u>Refinance</u> <u>A</u> <u>A</u> | <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>A</u> | <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>A</u> | <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>A</u> | <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>A</u> | <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>A</u> | <u>A</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>805220</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>B</u> <u>B</u> | <u>Not Applicable</u> <u>A</u> <u>C</u> <u>B</u> <u>C</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>C</u> <u>B</u> <u>C</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>C</u> <u>B</u> <u>C</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>C</u> <u>B</u> <u>C</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>C</u> <u>B</u> <u>C</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>224106</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Primary</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>408702</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>330882</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Primary</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>A</u> | <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>A</u> | <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>A</u> | <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>A</u> | <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>A</u> | <u>A</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>453550</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Primary</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>269004</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Primary</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>D</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>D</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>D</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>D</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>D</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>131229</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>865280</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>811996</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>982791</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>234503</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>886163</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Primary</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>891744</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>293602</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>971791</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>984014</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>384405</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>823799</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>824182</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>932556</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>B</u> <u>B</u> | <u>Not Applicable</u> <u>A</u> <u>C</u> <u>B</u> <u>C</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>C</u> <u>B</u> <u>C</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>C</u> <u>B</u> <u>C</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>C</u> <u>B</u> <u>C</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>C</u> <u>B</u> <u>C</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>754298</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>914290</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>111105</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Primary</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>960983</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Primary</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>468954</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>538499</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>706749</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>432187</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>451068</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>693909</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>103964</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>581267</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>914579</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>779132</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>675484</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>200447</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Refinance</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>102573</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>167892</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Primary</u> | <u>Cash Out</u> <u>A</u> <u>A</u> | <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>C</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>735199</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Primary</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>D</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>D</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>D</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>D</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> <u>C</u> <u>A</u> <u>D</u> <u>A</u> | <u>C</u> | <u>A</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>686710</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>938432</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>821873</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> <u>D</u> <u>A</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>D</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>166762</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>Not Applicable</u> <u>A</u> <u>B</u> <u>A</u> <u>B</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>B</u> <u>A</u> <u>B</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>B</u> <u>A</u> <u>B</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>B</u> <u>A</u> <u>B</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>B</u> <u>A</u> <u>B</u> <u>A</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>366543</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Primary</u> | <u>Purchase</u> <u>A</u> <u>A</u> | <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> <u>C</u> <u>A</u> <u>A</u> <u>A</u> | <u>C</u> | <u>A</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>999525</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>B</u> <u>B</u> | <u>Not Applicable</u> <u>A</u> <u>B</u> <u>B</u> <u>B</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>B</u> <u>B</u> <u>B</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>B</u> <u>B</u> <u>B</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>B</u> <u>B</u> <u>B</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>B</u> <u>B</u> <u>B</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |
| <u>xxx</u> | <u>xxx</u> | <u>334507</u> | <u>xxx</u> | <u>xxx</u> | <u>xxx</u> | <u>Investor</u> | <u>Purchase</u> <u>B</u> <u>B</u> | <u>Not Applicable</u> <u>A</u> <u>D</u> <u>B</u> <u>D</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>D</u> <u>B</u> <u>D</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>D</u> <u>B</u> <u>D</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>D</u> <u>B</u> <u>D</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> <u>D</u> <u>B</u> <u>D</u> <u>B</u> | <u>Not Applicable</u> | <u>Not Applicable</u> <u>A</u> <u>A</u> |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **REDACTED ID** | **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** |
| xxx | xxx | 999525 |  | xxx | xxx | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Minimum DSCR requirement as per guideline is 0.70. Citing this as an warning as we have exception approval form in the file approved for DSCR less than 0.70<br>A copy of an exception approval letter is available in the loan file. | Compensating factor : 5 yr PPP and More than 12 moths reserves | Single Family | xxx | xxx | xxx | Investor | Purchase |  |  |  |  |  | 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: |  |  | Yes | Alternative | QC Complete | 03/26/2026 |
| xxx | xxx | 334507 |  | xxx | xxx | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: No master policy or HOA Cert is missing.<br>Resolved 08/09/2022: There is note in loan approval which states that "Per xxx precedent, no HOA master policy/HOA docs required for property type (detached condo)". | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: DSCR is 0.62. However, minimum DSCR requirement as per guideline is 0.70. <br> Exception approval form is available in the loan file.<br>A copy of an exception approval letter is available in the loan file. | Gift funds exceed max allowed.<br>LTV over xxx with DSCR below 0.8<br>0.25 price adjustment required for exception | Low Rise Condo (1-4 Stories) | xxx | xxx | xxx | Investor | Purchase |  |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Multiple Source Docs |  |  | Yes | Alternative | QC Complete | 03/26/2026 |
| xxx | xxx | 797079 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Credit report incomplete - EV R<br> COMMENT: Borrower is foreign national. Letter of credit from an internationally known financial institution, an international credit report or two consecutive bank statements either US based or foreign with English transaction is missing in file.<br>08/08/2022 - Received clarification stating credit report is not required as we have two month consecutive bank statements. Hence condition resolved. |  |  | PUD | xxx | xxx | xxx | Investor | Cash Out |  |  |  |  |  | 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: | xxx |  |  | DSCR | QC Complete | 03/26/2026 |
| xxx | xxx | 423511 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 03/26/2026 |
| xxx | xxx | 229145 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: CU Score is Missing, AVM to be ordered<br>04/20/2022 - Received AVM the confidence score is 0.1820 which is more than threshold limit. CDA to be ordered.<br>04/27/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Credit score does not meet guidelines - EV R<br> COMMENT: As per guideline we need 3 bureaus credit score. In the file we only have Equifax and Experian credit scores. <br> Transunion credit score is missing in the file<br>5/20/2022 - Received confirmation from client that the In xxx Guidelines Sec 4.6 specifically spells out to use the lower of two <br> scores if only two are reporting, loan is still within parameters. Hence condition is resolved. |  |  | 4 Family | xxx | xxx | xxx | Investor | Refinance | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 04/08/2022 |
| xxx | xxx | 709357 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Purchase | xxx |  |  | 5 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 01/05/2022 |
| xxx | xxx | 879848 |  | xxx | xxx | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Primary | Refinance | xxx | 15.33 | xxx | 27.11 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.941% |  | Alternative | QC Complete | 02/24/2022 |
| xxx | xxx | 805220 |  | xxx | xxx | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) DSCR is less than 1.00 - EV W<br> COMMENT: DSCR is 0.81, LTV xxx, Fico score xxx As per guidelines if DSCR <1 , then maximum LTV <=70% & Fico >=700. The loan does not meet guidelines requirement.<br>03/11/2022 - Received revised UW approval with exceptions stating fund to close not to exceed xxx & per credit memo will allow xxx must fund by xxx for 5% LTV due to guideline change for DSCR. Condition has been waived off. | 03/11/2022 - Received revised UW approval with exceptions stating fund to close not to exceed xxx & per credit memo will allow xxx must fund by xxx for 5% LTV due to guideline change for DSCR. Condition has been waived off. | PUD | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 02/17/2022 |
| xxx | xxx | 224106 |  | xxx | xxx | 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: 6.903% Allowed: 4.660% Over by: +2.243%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Qualified Mortgage DTI exceeds 43% - EV R<br> COMMENT: DTI exceeds the guidelines limit of 50%.<br>5/9/2022 - Received confirmation from the client that as per section 5.6 of xxx Guidelines the maximum DTI ratio for any loan is 50% of total income including any asset depletion component rounded down (i.e.: 50.49% rounds to 50%). Hence condition is resolved.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: (xxx AB 260, xxx Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code.<br>xxx AB 260 Higher-Priced Mortgage Loan Test: Charged: 6.903% Allowed: 4.660% Over By: +2.243%<br>This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) |  |  | Single Family | xxx | xxx | xxx | Primary | Cash Out | xxx | 11.41 | xxx | 19.41 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx | 50.354% |  | Full Documentation | QC Complete | 03/26/2026 |
| xxx | xxx | 408702 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 02/17/2022 |
| xxx | xxx | 330882 |  | xxx | xxx | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Primary | Cash Out | xxx | 3 | xxx | 16 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx | 14.975% |  | Alternative | QC Complete | 04/25/2022 |
| xxx | xxx | 453550 |  | xxx | xxx | 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 8.516% Allowed 5.120% Over by +3.396%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | xxx | xxx | xxx | Primary | Cash Out | xxx | 16 | xxx | 30 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx | 45.585% |  | Full Documentation | QC Complete | 03/26/2026 |
| xxx | xxx | 269004 |  | xxx | xxx | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: 2 year residential history is missing on Final 1003.<br>06/29/2022 - Received 1003 application and residential history is updated. Hence, condition is 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: 7.235% Allowed: 5.110% Over by: +2.125%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | xxx | xxx | xxx | Primary | Cash Out | xxx | 7 | xxx | 20 | xxx | 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:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx | 11.831% |  | Alternative | QC Complete | 03/26/2026 |
| xxx | xxx | 131229 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xxx | xxx | xxx | Investor | Cash Out | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type: | xxx |  |  | DSCR | QC Complete | 05/13/2022 |
| xxx | xxx | 865280 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: CDA to be ordered as confidence score 0.19 exceeds the guideline limit.<br>05/09/2022 - Received CDA. Hence, condition is resolved. |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 04/20/2022 |
| xxx | xxx | 811996 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as both CU scores are missing.<br>04/20/2022 - Received AVM the Confidence Score is 0.1310 and Variance is -12.109% which is more than threshold limit. CDA to be ordered.<br>04/27/2022 - Received CDA. Hence, condition is resolved. |  |  | 2 Family | xxx | xxx | xxx | Investor | Cash Out | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 04/14/2022 |
| xxx | xxx | 982791 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as both CU scores are missing.<br>05/16/2022 - Received CDA. Hence, condition is resolved. |  |  | PUD | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 04/14/2022 |
| xxx | xxx | 234503 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 04/25/2022 |
| xxx | xxx | 886163 |  | xxx | xxx | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Both the CU/LCA scores is missing, hence required AVM.<br>04/28/2022 - Received AVM the Variance is -13.058% which is more than threshold limit. CDA to be ordered.<br>06/02/2022 - Received CDA. Hence, condition is 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 7.285% Allowed 5.490% Over by +1.795%.<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | xxx | xxx | xxx | Primary | Purchase | xxx |  | xxx | 22.08 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.179% | Yes | Alternative | QC Complete | 03/26/2026 |
| xxx | xxx | 891744 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as both CU scores are missing.<br>05/16/2022 - Received CDA. Hence, condition is resolved. |  |  | Mid Rise Condo (5-8 Stories) | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 04/15/2022 |
| xxx | xxx | 293602 |  | xxx | xxx | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Confidence score in the file is 0.14 which is more than the threshold limit. CDA to be ordered.<br>04/27/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: As per hazard insurance Dwelling amount xxx not covering the loan amount xxx. Need updated Hazard insurance or replacement cost.<br>5/9/2022 - Received confirmation from client that subject is a condo with bare walls coverage so the master policy would include the actual structural coverage while the HO-6 policy that has additional dwelling coverage for the interior fixtures and finishings. Hence condition is resolved.<br>\*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: DSCR in the file is 0.67. As per guideline (xxx) minimum acceptable DSCR is 0.70.<br>5/9/2022 - Received confirmation from client that For the negative DSCR, this loan was submitted (xxx) prior to the new practices (xxx) of tiered adjustments for negative DSCR and was allowed to close under the practice at that time. Hence condition resolved. |  |  | Low Rise Condo (1-4 Stories) | xxx | xxx | xxx | Investor | Purchase |  |  |  |  |  | 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: |  |  | No | Alternative | QC Complete | 03/26/2026 |
| xxx | xxx | 971791 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: CDA to be ordered as provided AVM reflects confidence score as 0.11 which is greater than 0.10.<br>05/09/2022 - Received CDA. Hence, condition is resolved. |  |  | PUD | xxx | xxx | xxx | Investor | Purchase |  |  |  |  |  | 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: |  |  | Yes | Alternative | QC Complete | 04/21/2022 |
| xxx | xxx | 984014 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: In final 1003 uniform residential loan application — Lender Loan Information section missing in the file.<br>4/26/2022 - Not Resolved - Received final 1003 but Lender Loan Information section missing in the document received<br>07/21/2022 - Lender Loan Information received. Hence, exception is resolved. |  |  | Single Family | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 04/12/2022 |
| xxx | xxx | 384405 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: SeBoth the CU scores are missing in the file. AVM to be ordered.<br>04/20/2022 - Received AVM. Hence, condition is resolved.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Dwelling coverage in the file is xxx and Replacement cost 100% = xxx total dwelling cost. Loan amount is xxx. Need updated Hazard Insurance to cover the loan amount.<br>6/8/2022 - Received client confirmation that Loan closed xxx and condo master policy was good until xxx, policy was in effect at time of closing. Hence condition is resolved.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: The property type is condominium and Condo Questionnaire is missing in the file.<br>4/26/2022 - Received HOA certification document and condition is resolved<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Flood Insurance policy for the subject property missing in the file<br>4/26/2022 - Received flood insurance document and condition is resolved |  |  | High Rise Condo (>=9 Stories) | xxx | xxx | xxx | Investor | Purchase |  |  |  |  |  | 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: |  |  | No | Alternative | QC Complete | 03/26/2026 |
| xxx | xxx | 823799 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xxx | xxx | xxx | Investor | Purchase |  |  |  |  |  | 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: |  |  | Yes | Alternative | QC Complete | 04/12/2022 |
| xxx | xxx | 824182 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 05/13/2022 |
| xxx | xxx | 932556 |  | xxx | xxx | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Credit score does not meet guidelines - EV W<br> COMMENT: 3/11/2022: Credit score entered as xxx for pricing purposes only. The credit score is xxx which is below minimum required. Management exception given.(UW loan approval - #4)<br>08/08/2022 - Exception approval is received including compensating factors. | Per xxx ok for xxx FICO<br>Low LTV: xxx<br>Purchase<br>DSCR positive cash flow<br>No mortgage lates in last 12 months. | Single Family | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | DSCR | QC Complete | 03/26/2026 |
| xxx | xxx | 754298 |  | xxx | xxx | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Missing documentations such as Green Card, Work Visa or Passport for non-permanent resident alien borrower to verify.<br>07/27/2022 - Loan was closed under our ITIN program which only required the ITIN card/letter and a US based ID and we have the ITIN card and A CDL. Hence, exception is resolved.<br>\*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: In AVM document amount value variance is more than the limit, hence require CDA document to verify<br>05/09/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Credit score does not meet guidelines - EV R<br> COMMENT: Equifax credit score missing in the file. As per guideline borrower is required credit scores from all the three repositories.<br>6/29/2022 - Received client confirmation that as per xxx Guidelines Sec 4.6 specifically spells out to use the lower of two scores if only two are reporting, loan is still within parameters. Hence, condition is resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: 4506-C Missing In File 12 Month Bank Statement Program.<br>08/05/2022 - 4506 not required with bank statement program. Hence, exception is resolved. |  |  | 2 Family | xxx | xxx | xxx | Investor | Purchase | xxx |  | xxx | 18.56 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.844% | Yes | Alternative | QC Complete | 03/26/2026 |
| xxx | xxx | 914290 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as CU risk scores are missing.<br>04/20/2022 - Received AVM. Hence, condition is resolved. |  |  | Manufactured Housing | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 04/15/2022 |
| xxx | xxx | 111105 |  | xxx | xxx | 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 7.002% Allowed 5.420% Over-by +1.582%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the xxx COMAR higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of xxx Regulations (COMAR).<br>xxx COMAR Higher-Priced Mortgage Loan Test: Charged 7.002% Allowed 5.420% Over-by +1.582%<br>This loan is compliant with regulation xxx COMAR, Code of xxx Regulations (COMAR). |  |  | Single Family | xxx | xxx | xxx | Primary | Purchase | xxx |  | xxx | 13 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.892% | Yes | Alternative | QC Complete | 03/26/2026 |
| xxx | xxx | 960983 |  | xxx | xxx | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Both the borrowers B1 and B2 are Non - Permanent Resident Alien. As per guideline a valid passport or photo identification from their country of residence is required<br>5/9/2022 - Received confirmation from the client that Loan is an ITIN loan where the only required documents are a US based ID (driver's license) and then the ITIN letter or card verifying the number. We do not have a separate requirement for additional identification on this particular program. Hence condition is resolved. Citizenship as ITIN-Legal Residency not validated.<br>\*\*\* (CURED) Credit score does not meet guidelines - EV R<br> COMMENT: Minimum FICO Score required is xxx for Primary occupancy, With LTV xxx. The FICO score of the loan is xxx with rate is xxx. <br> As per guideline we require 3 bureaus credit score. For B1 Equifax credit score is missing.<br>5/20/2022 - Received confirmation from client that File grading is determined by the score of the highest earner of the borrowers per Sec 4.6. Sec 4.6 also allows for moving forward if only two credit scores are provided. We would not automatically default to B2's credit if a score is not reporting nor would we ascribe credit grading to a borrower who was not providing income for qualification. Hence condition is 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 6.933% Allowed 5.420% Over by +1.513%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: (xxx AB 260, xxx Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code.<br>xxx AB 260 Higher-Priced Mortgage Loan Test: Charged 6.933% Allowed 5.420% Over by +1.513%.<br>This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) |  |  | Single Family | xxx | xxx | xxx | Primary | Purchase | xxx |  | xxx | 12.16 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 13.945% | Yes | Alternative | QC Complete | 03/26/2026 |
| xxx | xxx | 468954 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) The Credit LOX is missing - EV R<br> COMMENT: Need LOX from borrower for the declaration in application that the borrowers have financial liability and a party to a lawsuit. Need documents regarding the same.<br>Resolved 08/11/2022: A copy of letter of explanation from borrower is provided.<br>\*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: CDA to be ordered as confidence score is 0.18 which exceeds the guideline limit.<br>04/27/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Condo Questionnaire document is missing in the file,<br>06/08/2022 - HOA Certificate received. Hence, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 03/26/2026 |
| xxx | xxx | 538499 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: AVM to be ordered as both CU scores are missing<br>5/23/2022 - Received AVM and condition is resolved. |  |  | Single Family | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 05/13/2022 |
| xxx | xxx | 706749 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as both CU scores are missing.<br>05/27/2022 - Received CDA. Hence, condition is resolved. |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 05/13/2022 |
| xxx | xxx | 432187 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as both CU scores are missing.<br>5/23/2022 - Received AVM and condition is resolved. |  |  | Single Family | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.279% | No | Full Documentation | QC Complete | 05/16/2022 |
| xxx | xxx | 451068 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 04/22/2022 |
| xxx | xxx | 693909 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Both The CU/LCA Scores Are Missing . AVM to be ordered.<br>05/16/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Assets do not meet guidelines - EV R<br> COMMENT: The transaction is Purchase transaction and Cash from borrower required xxx. Assets are not available in the file.<br>5/9/2022 - Received confirmation from client that per Credit Memo from xxx Head of Credit dated March 1st, 2022, on DSCR loans proof of funds is not required at LTV's of xxx and less as well as xxx or less at any LTV. Loan closed at LTV of xxx so closing funds not required. Hence, exception is resolved.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Master Policy missing in the file.<br>4/27/2022 - Not Resolved - Received Master policy but start date and end date of the policy is missing , Coverage is missing.<br>5/20/2022 - Received Master policy and confirmation from client the Master condo policy reflecting start and end dates, flood and building coverage. The general expiration is xxx but the flood is xxx for Location xxx (Phase xxx) as indicated on pg 3 and on separate flood policy being uploaded. We could not locate "walls-in" language so the HO-6 policy has a dwelling amount of xxx which meets the 20% URAR value dwelling coverage requirement for interior fixtures and appointments that the master policy may not cover. Hence condition is resolved<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Flood insurance for the subject property missing in the file.<br>4/27/2022 - Not Resolved - Received confirmation from the client that Flood Insurance is covered in the Condo Master Policy. Received condo master policy is incomplete.<br>5/20/2022 - Received Master policy and confirmation from client the Master condo policy reflecting start and end dates, flood and building coverage. The general expiration is xxx but the flood is xxx for Location xxx (Phase xxx) as indicated on pg 3 and on separate flood policy being uploaded. We could not locate "walls-in" language so the HO-6 policy has a dwelling amount of xxx which meets the 20% URAR value dwelling coverage requirement for interior fixtures and appointments that the master policy may not cover. Hence condition is resolved |  |  | Low Rise Condo (1-4 Stories) | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 04/14/2022 |
| xxx | xxx | 103964 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 04/27/2022 |
| xxx | xxx | 581267 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Both CU score are missing. AVM to be ordered<br>5/23/2022 - AVM received and confidence score in the AVM is 0.22 which is more than the threshold limit of 0.10. CDA to be ordered.<br>05/27/2022 - Received CDA. Hence, condition is resolved. |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 05/17/2022 |
| xxx | xxx | 914579 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as CU Scores are missing<br>05/27/2022 - Received CDA. Hence, condition is resolved. |  |  | High Rise Condo (>=9 Stories) | xxx | xxx | xxx | Investor | Purchase |  |  |  |  |  | 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: |  |  | Yes | Alternative | QC Complete | 05/13/2022 |
| xxx | xxx | 779132 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xxx | xxx | xxx | Investor | Purchase |  |  |  |  |  | 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: |  |  | No | Alternative | QC Complete | 05/18/2022 |
| xxx | xxx | 675484 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xxx | xxx | xxx | Investor | Purchase |  |  |  |  |  | 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: |  |  | No | Alternative | QC Complete | 05/23/2022 |
| xxx | xxx | 200447 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM Variance is -65.594% FSD is 0.16 Appraised Value: xxx, However additional valuation is missing in this Package.CDA to be ordered<br>05/27/2022 - Received CDA. Hence, condition is resolved. |  |  | Single Family | xxx | xxx | xxx | Investor | Refinance | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 05/16/2022 |
| xxx | xxx | 102573 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: CU scores are not present in the file . AVM to be ordered<br>5/23/2022 - Received AVM and condition is resolved.<br>\*\*\* (CURED) Cash reserves less than required by guidelines - EV R<br> COMMENT: Short of assets for reserve requirement xxx. Verified assets in the file is xxx and Funds to close xxx. Assets after closing xxx and reserve requirement xxx<br>07/27/2022 - As per uploaded credit memo, for business purpose/DSCR loans, verification of the seasoning of funds to close is not required on loans of xxx LTV and below. Hence, exception is resolved. |  |  | Manufactured Housing | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 05/17/2022 |
| xxx | xxx | 167892 |  | xxx | xxx | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Confidence score is 0.26 which is exceeding 0.13 threshold limit. CDA to be ordered<br>05/27/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Credit score does not meet guidelines - EV R<br> COMMENT: In the file we have 2 repositories scores. As per guideline all 3 credit bureaus scores are required<br>07/27/2022 - As Per Guidelines Sec 4.6, 2nd bullet point, if only two scores are reporting then we will grade off the lower score. xxx does have a provision to take reports with only two scores. Hence, exception is 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 :8.046% Allowed :6.240% Over by :+1.806%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | xxx | xxx | xxx | Primary | Cash Out | xxx | 3 | xxx | 4.13 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx | 30.973% |  | Alternative | QC Complete | 03/26/2026 |
| xxx | xxx | 735199 |  | xxx | xxx | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as both CU scores are missing.<br> Moreover, AVM has been ordered by xxx.<br>06/01/2022 - CDA Received. Hence, Condition resolved.<br>\*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: Assets not mentioned on final 1003, but Bank statement available in the package. <br>Cash From Borrower = xxx<br>08/08/2022 - This is the bank statement loan and we have bank statement available in the package. No other document is required. Hence, exception is 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 7.881% Allowed 6.290% Over By +1.591%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Reverification within 10 days is missing - EV R<br> COMMENT: Provide Verbal verification of employment (VVOE) conducted by Funding Department within ten (10) calendar days prior to Closing in wet states or Signing in dry states.<br>07/28/2022 - Borrower qualified under self employment bank statement program using bank statements; therefore no VVOE required. Hence, exception is resolved. |  |  | Low Rise Condo (1-4 Stories) | xxx | xxx | xxx | Primary | Purchase | xxx |  | xxx | 4 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.124% | No | Alternative | QC Complete | 03/26/2026 |
| xxx | xxx | 686710 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xxx | xxx | xxx | Investor | Purchase | xxx |  | xxx | 9.17 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.822% | No | Alternative | QC Complete | 05/25/2022 |
| xxx | xxx | 938432 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: CU risk score and LCA risk score is missing in file . AVM to be ordered<br>5/23/2022 - Received AVM and condition is resolved. |  |  | PUD | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 05/13/2022 |
| xxx | xxx | 821873 |  | xxx | xxx | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: CDA to be ordered. Received AVM the Variance is -17.674% which is more than threshold limit.<br>Moreover, CDA has been ordered by xxx.<br>06/01/2022 - Desk Review Received. Hence, Condition Resolved. |  |  | Single Family | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type: |  |  | Yes | Alternative | QC Complete | 05/23/2022 |
| xxx | xxx | 166762 |  | xxx | xxx | Not Covered/Exempt | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: LO not licensed in xxx citing this is an warning as we have exception approval form stating - LO is not licensed in xxx. Ok as one unit and NOO- LO does not need to be licensed.<br>08/08/2022 - This is not an exception to guidelines as licensing is not required. Hence, exception is resolved. |  |  | Low Rise Condo (1-4 Stories) | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.119% | No | Alternative | QC Complete | 03/26/2026 |
| xxx | xxx | 366543 |  | xxx | xxx | 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 7.334% Allowed 6.240% Over by +1.094%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Missing Initial Closing Disclosure - EV R<br> COMMENT: Initial Closing Disclosure is missing in the loan package. Kindly provide Initial Closing Disclosure.<br>Resolved 7/27/2022 : Received Initial Closing Disclosure and updated, hence condition cleared.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: (xxx AB 260, xxx Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code.<br>xxx AB 260 Higher-Priced Mortgage Loan Test: Charged 7.334% Allowed 6.240% Over by +1.094%<br>This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) |  |  | Single Family | xxx | xxx | xxx | Primary | Purchase | xxx |  | xxx | 14 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type: |  | 23.962% | Yes | Alternative | QC Complete | 03/26/2026 |

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## Exhibit 99.7

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **REDACTED ID** | **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** |
| xxx | xxx | 999525 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | ZG0TWEPJO5W-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Minimum DSCR requirement as per guideline is 0.70. Citing this as an warning as we have exception approval form in the file approved for DSCR less than 0.70<br>A copy of an exception approval letter is available in the loan file. |  |  | Compensating factor : 5 yr PPP and More than 12 moths reserves |  | QC Complete | 03/26/2026 |  |  | 03/26/2026 |
| xxx | xxx | 334507 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Credit | UFRMASMNNLA-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | No master policy or HOA Cert is missing.<br>Resolved 08/09/2022: There is note in loan approval which states that "Per xxx precedent, no HOA master policy/HOA docs required for property type (detached condo)". | Resolved 08/09/2022: There is note in loan approval which states that "Per xxx precedent, no HOA master policy/HOA docs required for property type (detached condo)". | Resolved 08/09/2022: There is note in loan approval which states that "Per xxx precedent, no HOA master policy/HOA docs required for property type (detached condo)". |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 08/09/2022 |
| xxx | xxx | 334507 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | UFRMASMNNLA-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | DSCR is 0.62. However, minimum DSCR requirement as per guideline is 0.70. Exception approval form is available in the loan file.<br>A copy of an exception approval letter is available in the loan file. |  |  | Gift funds exceed max allowed.<br>LTV over xxx with DSCR below 0.8<br>0.25 price adjustment required for exception |  | QC Complete | 03/26/2026 |  |  | 05/11/2022 |
| xxx | xxx | 797079 |  | xxx | xxx | xxx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | YG0U53SGR0M-BTX3FKVR | Resolved | 3 | R | \* Credit report incomplete (Lvl R) | Borrower is foreign national. Letter of credit from an internationally known financial institution, an international credit report or two consecutive bank statements either US based or foreign with English transaction is missing in file.<br>08/08/2022 - Received clarification stating credit report is not required as we have two month consecutive bank statements. Hence condition resolved. | 08/08/2022 - Received clarification stating credit report is not required as we have two month consecutive bank statements. Hence condition resolved. | 08/08/2022 - Received clarification stating credit report is not required as we have two month consecutive bank statements. Hence condition resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 08/08/2022 |
| xxx | xxx | 229145 |  | xxx | xxx | xxx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | XT5HAPPSFY3-30KZI3LH | Resolved | 3 | R | \* Credit score does not meet guidelines (Lvl R) | As per guideline we need 3 bureaus credit score. In the file we only have Equifax and Experian credit scores. Transunion credit score is missing in the file<br>5/20/2022 - Received confirmation from client that the In xxx Guidelines Sec 4.6 specifically spells out to use the lower of two scores if only two are reporting, loan is still within parameters. Hence condition is resolved. | 5/20/2022 - Received confirmation from client that the In xxx Guidelines Sec 4.6 specifically spells out to use the lower of two scores if only two are reporting, loan is still within parameters. Hence condition is resolved. | 5/20/2022 - Received confirmation from client that the In xxx Guidelines Sec 4.6 specifically spells out to use the lower of two scores if only two are reporting, loan is still within parameters. Hence condition is resolved. |  |  | QC Complete | 04/08/2022 | 08/08/2022 | 08/08/2022 | 04/11/2022 |
| xxx | xxx | 229145 |  | xxx | xxx | xxx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | XT5HAPPSFY3-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU Score is Missing, AVM to be ordered<br>04/20/2022 - Received AVM the confidence score is 0.1820 which is more than threshold limit. CDA to be ordered.<br>04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 04/08/2022 | 05/02/2022 | 05/02/2022 | 04/08/2022 |
| xxx | xxx | 805220 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Credit | KHFSQI4EP24-H6XQ79BK | Waived | 4 | W | \* DSCR is less than 1.00 (Lvl W) | DSCR is 0.81, LTV xxx, Fico score xxx As per guidelines if DSCR <1 , then maximum LTV <=70% & Fico >=700. The loan does not meet guidelines requirement.<br>03/11/2022 - Received revised UW approval with exceptions stating fund to close not to exceed xxx & per credit memo will allow xxx must fund by xxx for 5% LTV due to guideline change for DSCR. Condition has been waived off. |  |  | 03/11/2022 - Received revised UW approval with exceptions stating fund to close not to exceed xxx & per credit memo will allow xxx must fund by xxx for 5% LTV due to guideline change for DSCR. Condition has been waived off. |  | QC Complete | 02/17/2022 |  |  | 02/17/2022 |
| xxx | xxx | 224106 |  | xxx | xxx | xxx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ZHKY0GEQNRD-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | (xxx AB 260, xxx Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code.<br>xxx AB 260 Higher-Priced Mortgage Loan Test: Charged: 6.903% Allowed: 4.660% Over By: +2.243%<br>This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) | This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) | This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 224106 |  | xxx | xxx | xxx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ZHKY0GEQNRD-6HH08HY1 | Resolved | 4 | R | \* Qualified Mortgage DTI exceeds 43% (Lvl R) | DTI exceeds the guidelines limit of 50%.<br>5/9/2022 - Received confirmation from the client that as per section 5.6 of xxx Guidelines the maximum DTI ratio for any loan is 50% of total income including any asset depletion component rounded down (i.e.: 50.49% rounds to 50%). Hence condition is resolved. | 5/9/2022 - Received confirmation from the client that as per section 5.6 of xxx Guidelines the maximum DTI ratio for any loan is 50% of total income including any asset depletion component rounded down (i.e.: 50.49% rounds to 50%). Hence condition is resolved. | 5/9/2022 - Received confirmation from the client that as per section 5.6 of xxx Guidelines the maximum DTI ratio for any loan is 50% of total income including any asset depletion component rounded down (i.e.: 50.49% rounds to 50%). Hence condition is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 02/18/2022 |
| xxx | xxx | 224106 |  | xxx | xxx | xxx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ZHKY0GEQNRD-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: 6.903% Allowed: 4.660% Over by: +2.243%<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 | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 453550 |  | xxx | xxx | xxx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ZXCXUNQCZCE-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 8.516% Allowed 5.120% Over by +3.396%<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 | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 269004 |  | xxx | xxx | xxx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | YWR2NHODJAP-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: 7.235% Allowed: 5.110% Over by: +2.125%<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 | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 269004 |  | xxx | xxx | xxx | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Credit | YWR2NHODJAP-UTM9VHCU | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | 2 year residential history is missing on Final 1003.<br>06/29/2022 - Received 1003 application and residential history is updated. Hence, condition is resolved. | 06/29/2022 - Received 1003 application and residential history is updated. Hence, condition is resolved. | 06/29/2022 - Received 1003 application and residential history is updated. Hence, condition is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/22/2022 |
| xxx | xxx | 865280 |  | xxx | xxx | xxx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | QNS0AQ1FCBN-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CDA to be ordered as confidence score 0.19 exceeds the guideline limit.<br>05/09/2022 - Received CDA. Hence, condition is resolved. | 05/09/2022 - Received CDA. Hence, condition is resolved. | 05/09/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 04/20/2022 | 05/09/2022 | 05/09/2022 | 04/20/2022 |
| xxx | xxx | 811996 |  | xxx | xxx | xxx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | QH3YMEH2RIX-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as both CU scores are missing.<br>04/20/2022 - Received AVM the Confidence Score is 0.1310 and Variance is -12.109% which is more than threshold limit. CDA to be ordered.<br>04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 04/14/2022 | 05/02/2022 | 05/02/2022 | 04/18/2022 |
| xxx | xxx | 982791 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 11HMJUD3XAX-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as both CU scores are missing.<br>05/16/2022 - Received CDA. Hence, condition is resolved. | 05/16/2022 - Received CDA. Hence, condition is resolved. | 05/16/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 04/14/2022 | 05/16/2022 | 05/16/2022 | 04/14/2022 |
| xxx | xxx | 886163 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Valuation | Valuation | VGYCHS2GC5G-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Both the CU/LCA scores is missing, hence required AVM.<br>04/28/2022 - Received AVM the Variance is -13.058% which is more than threshold limit. CDA to be ordered.<br>06/02/2022 - Received CDA. Hence, condition is resolved. | 06/02/2022 - Received CDA. Hence, condition is resolved. | 06/02/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/25/2022 |
| xxx | xxx | 886163 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | VGYCHS2GC5G-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 7.285% Allowed 5.490% Over by +1.795%.<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 | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 891744 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | S4RCRT0RPK1-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as both CU scores are missing.<br>05/16/2022 - Received CDA. Hence, condition is resolved. | 05/16/2022 - Received CDA. Hence, condition is resolved. | 05/16/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 04/15/2022 | 05/16/2022 | 05/16/2022 | 04/14/2022 |
| xxx | xxx | 293602 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 4 | 1 | Legal Docs | Hazard Insurance | NGWNATRWD3W-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | As per hazard insurance Dwelling amount xxx not covering the loan amount xxx. Need updated Hazard insurance or replacement cost.<br>5/9/2022 - Received confirmation from client that subject is a condo with bare walls coverage so the master policy would include the actual structural coverage while the HO-6 policy that has additional dwelling coverage for the interior fixtures and finishings. Hence condition is resolved. | 5/9/2022 - Received confirmation from client that subject is a condo with bare walls coverage so the master policy would include the actual structural coverage while the HO-6 policy that has additional dwelling coverage for the interior fixtures and finishings. Hence condition is resolved. | 5/9/2022 - Received confirmation from client that subject is a condo with bare walls coverage so the master policy would include the actual structural coverage while the HO-6 policy that has additional dwelling coverage for the interior fixtures and finishings. Hence condition is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 08/08/2022 |
| xxx | xxx | 293602 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 4 | 1 | Valuation | Valuation | NGWNATRWD3W-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Confidence score in the file is 0.14 which is more than the threshold limit. CDA to be ordered.<br>04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/12/2022 |
| xxx | xxx | 293602 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Guidelines | NGWNATRWD3W-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | DSCR in the file is 0.67. As per guideline (xxx) minimum acceptable DSCR is 0.70.<br>5/9/2022 - Received confirmation from client that For the negative DSCR, this loan was submitted (xxx) prior to the new practices (xxx) of tiered adjustments for negative DSCR and was allowed to close under the practice at that time. Hence condition resolved. | 5/9/2022 - Received confirmation from client that For the negative DSCR, this loan was submitted (xxx) prior to the new practices (xxx) of tiered adjustments for negative DSCR and was allowed to close under the practice at that time. Hence condition resolved. | 5/9/2022 - Received confirmation from client that For the negative DSCR, this loan was submitted (xxx) prior to the new practices (xxx) of tiered adjustments for negative DSCR and was allowed to close under the practice at that time. Hence condition resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 08/08/2022 |
| xxx | xxx | 971791 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 3ZYHWRVHFNS-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CDA to be ordered as provided AVM reflects confidence score as 0.11 which is greater than 0.10.<br>05/09/2022 - Received CDA. Hence, condition is resolved. | 05/09/2022 - Received CDA. Hence, condition is resolved. | 05/09/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 04/21/2022 | 05/09/2022 | 05/09/2022 | 04/21/2022 |
| xxx | xxx | 984014 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 4LQI0IZF0UK-UTM9VHCU | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | In final 1003 uniform residential loan application — Lender Loan Information section missing in the file.<br>4/26/2022 - Not Resolved - Received final 1003 but Lender Loan Information section missing in the document received<br>07/21/2022 - Lender Loan Information received. Hence, exception is resolved. | 07/21/2022 - Lender Loan Information received. Hence, exception is resolved. | 07/21/2022 - Lender Loan Information received. Hence, exception is resolved. |  |  | QC Complete | 04/12/2022 | 07/21/2022 | 07/21/2022 | 04/12/2022 |
| xxx | xxx | 384405 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | TVDTGR5L4GR-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Flood Insurance policy for the subject property missing in the file<br>4/26/2022 - Received flood insurance document and condition is resolved | 4/26/2022 - Received flood insurance document and condition is resolved | 4/26/2022 - Received flood insurance document and condition is resolved |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/14/2022 |
| xxx | xxx | 384405 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | TVDTGR5L4GR-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | SeBoth the CU scores are missing in the file. AVM to be ordered.<br>04/20/2022 - Received AVM. Hence, condition is resolved. | 04/20/2022 - Received AVM. Hence, condition is resolved. | 04/20/2022 - Received AVM. Hence, condition is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/13/2022 |
| xxx | xxx | 384405 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | TVDTGR5L4GR-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | The property type is condominium and Condo Questionnaire is missing in the file.<br>4/26/2022 - Received HOA certification document and condition is resolved | 4/26/2022 - Received HOA certification document and condition is resolved | 4/26/2022 - Received HOA certification document and condition is resolved |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/13/2022 |
| xxx | xxx | 384405 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Legal Docs | Hazard Insurance | TVDTGR5L4GR-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Dwelling coverage in the file is xxx and Replacement cost 100% = xxx total dwelling cost. Loan amount is xxx. Need updated Hazard Insurance to cover the loan amount.<br>6/8/2022 - Received client confirmation that Loan closed xxx and condo master policy was good until xxx, policy was in effect at time of closing. Hence condition is resolved. | 6/8/2022 - Received client confirmation that Loan closed xxx and condo master policy was good until xxx, policy was in effect at time of closing. Hence condition is resolved. | 6/8/2022 - Received client confirmation that Loan closed xxx and condo master policy was good until xxx, policy was in effect at time of closing. Hence condition is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 08/08/2022 |
| xxx | xxx | 932556 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | XXC4N4YPC2M-30KZI3LH | Waived | 4 | W | \* Credit score does not meet guidelines (Lvl W) | 3/11/2022: Credit score entered as xxx for pricing purposes only. The credit score is xxx which is below minimum required. Management exception given.(UW loan approval - #4)<br>08/08/2022 - Exception approval is received including compensating factors. |  |  | Per xx ok for xxx FICO<br>Low LTV: xxx<br>Purchase<br>DSCR positive cash flow<br>No mortgage lates in last 12 months. |  | QC Complete | 03/26/2026 |  |  | 04/19/2022 |
| xxx | xxx | 754298 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Guidelines | B12V3C4QWGB-30KZI3LH | Resolved | 4 | R | \* Credit score does not meet guidelines (Lvl R) | Equifax credit score missing in the file. As per guideline borrower is required credit scores from all the three repositories.<br>6/29/2022 - Received client confirmation that as per xxx Guidelines Sec 4.6 specifically spells out to use the lower of two scores if only two are reporting, loan is still within parameters. Hence, condition is resolved. | 6/29/2022 - Received client confirmation that as per xxx Guidelines Sec 4.6 specifically spells out to use the lower of two scores if only two are reporting, loan is still within parameters. Hence, condition is resolved. | 6/29/2022 - Received client confirmation that as per xxx Guidelines Sec 4.6 specifically spells out to use the lower of two scores if only two are reporting, loan is still within parameters. Hence, condition is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/29/2022 |
| xxx | xxx | 754298 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Credit | B12V3C4QWGB-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | 4506-C Missing In File 12 Month Bank Statement Program.<br>08/05/2022 - 4506 not required with bank statement program. Hence, exception is resolved. | 08/05/2022 - 4506 not required with bank statement program. Hence, exception is resolved. | 08/05/2022 - 4506 not required with bank statement program. Hence, exception is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/26/2022 |
| xxx | xxx | 754298 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Credit | B12V3C4QWGB-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Missing documentations such as Green Card, Work Visa or Passport for non-permanent resident alien borrower to verify.<br>07/27/2022 - Loan was closed under our ITIN program which only required the ITIN card/letter and a US based ID and we have the ITIN card and A CDL. Hence, exception is resolved. | 07/27/2022 - Loan was closed under our ITIN program which only required the ITIN card/letter and a US based ID and we have the ITIN card and A CDL. Hence, exception is resolved. | 07/27/2022 - Loan was closed under our ITIN program which only required the ITIN card/letter and a US based ID and we have the ITIN card and A CDL. Hence, exception is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/29/2022 |
| xxx | xxx | 754298 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 4 | 1 | Valuation | Valuation | B12V3C4QWGB-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | In AVM document amount value variance is more than the limit, hence require CDA document to verify<br>05/09/2022 - Received CDA. Hence, condition is resolved. | 05/09/2022 - Received CDA. Hence, condition is resolved. | 05/09/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/27/2022 |
| xxx | xxx | 914290 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | IBGVIPRCCSX-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as CU risk scores are missing.<br>04/20/2022 - Received AVM. Hence, condition is resolved. | 04/20/2022 - Received AVM. Hence, condition is resolved. | 04/20/2022 - Received AVM. Hence, condition is resolved. |  |  | QC Complete | 04/15/2022 | 04/20/2022 | 04/20/2022 | 04/14/2022 |
| xxx | xxx | 111105 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | O1QCM5DSDBV-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | This loan failed the xxx COMAR higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of xxx Regulations (COMAR).<br>xxx COMAR Higher-Priced Mortgage Loan Test: Charged 7.002% Allowed 5.420% Over-by +1.582%<br>This loan is compliant with regulation xxx COMAR, Code of xxx Regulations (COMAR). | This loan is compliant with regulation xxx COMAR, Code of xxx Regulations (COMAR). | This loan is compliant with regulation xxx COMAR, Code of xxx Regulations (COMAR). |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 111105 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | O1QCM5DSDBV-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 7.002% Allowed 5.420% Over-by +1.582%<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 | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 960983 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | GAC4X5MQFMH-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | (xxx AB 260, xxx Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code.<br>xxx AB 260 Higher-Priced Mortgage Loan Test: Charged 6.933% Allowed 5.420% Over by +1.513%.<br>This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) | This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) | This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 960983 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | GAC4X5MQFMH-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 6.933% Allowed 5.420% Over by +1.513%<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 | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 960983 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | GAC4X5MQFMH-30KZI3LH | Resolved | 4 | R | \* Credit score does not meet guidelines (Lvl R) | Minimum FICO Score required is xxx for Primary occupancy, With LTV xxx. The FICO score of the loan is xxx with rate is xxx. <br> As per guideline we require 3 bureaus credit score. For B1 Equifax credit score is missing.<br>5/20/2022 - Received confirmation from client that File grading is determined by the score of the highest earner of the borrowers per Sec 4.6. Sec 4.6 also allows for moving forward if only two credit scores are provided. We would not automatically default to B2's credit if a score is not reporting nor would we ascribe credit grading to a borrower who was not providing income for qualification. Hence condition is resolved. | 5/20/2022 - Received confirmation from client that File grading is determined by the score of the highest earner of the borrowers per Sec 4.6. Sec 4.6 also allows for moving forward if only two credit scores are provided. We would not automatically default to B2's credit if a score is not reporting nor would we ascribe credit grading to a borrower who was not providing income for qualification. Hence condition is resolved. | 5/20/2022 - Received confirmation from client that File grading is determined by the score of the highest earner of the borrowers per Sec 4.6. Sec 4.6 also allows for moving forward if only two credit scores are provided. We would not automatically default to B2's credit if a score is not reporting nor would we ascribe credit grading to a borrower who was not providing income for qualification. Hence condition is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/08/2022 |
| xxx | xxx | 960983 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | GAC4X5MQFMH-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Both the borrowers B1 and B2 are Non - Permanent Resident Alien. As per guideline a valid passport or photo identification from their country of residence is required<br>5/9/2022 - Received confirmation from the client that Loan is an ITIN loan where the only required documents are a US based ID (driver's license) and then the ITIN letter or card verifying the number. We do not have a separate requirement for additional identification on this particular program. Hence condition is resolved. Citizenship as ITIN-Legal Residency not validated. | 5/9/2022 - Received confirmation from the client that Loan is an ITIN loan where the only required documents are a US based ID (driver's license) and then the ITIN letter or card verifying the number. We do not have a separate requirement for additional identification on this particular program. Hence condition is resolved. Citizenship as ITIN-Legal Residency not validated. | 5/9/2022 - Received confirmation from the client that Loan is an ITIN loan where the only required documents are a US based ID (driver's license) and then the ITIN letter or card verifying the number. We do not have a separate requirement for additional identification on this particular program. Hence condition is resolved. Citizenship as ITIN-Legal Residency not validated. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/08/2022 |
| xxx | xxx | 468954 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | UEQYBNXAMNW-I97OJO44 | Resolved | 3 | R | \* The Credit LOX is missing (Lvl R) | Need LOX from borrower for the declaration in application that the borrowers have financial liability and a party to a lawsuit. Need documents regarding the same.<br>Resolved 08/11/2022: A copy of letter of explanation from borrower is provided. | Resolved 08/11/2022: A copy of letter of explanation from borrower is provided. | Resolved 08/11/2022: A copy of letter of explanation from borrower is provided. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/19/2022 |
| xxx | xxx | 468954 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | UEQYBNXAMNW-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CDA to be ordered as confidence score is 0.18 which exceeds the guideline limit.<br>04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 04/19/2022 |
| xxx | xxx | 468954 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | UEQYBNXAMNW-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Condo Questionnaire document is missing in the file,<br>06/08/2022 - HOA Certificate received. Hence, condition resolved. | 06/08/2022 - HOA Certificate received. Hence, condition resolved. | 06/08/2022 - HOA Certificate received. Hence, condition resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 538499 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | JQXATBVA2AW-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | AVM to be ordered as both CU scores are missing<br>5/23/2022 - Received AVM and condition is resolved. | 5/23/2022 - Received AVM and condition is resolved. | 5/23/2022 - Received AVM and condition is resolved. |  |  | QC Complete | 05/13/2022 | 05/23/2022 | 05/23/2022 | 05/12/2022 |
| xxx | xxx | 706749 |  | xxx | xxx | xxx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 3FXJ5T3F10H-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as both CU scores are missing.<br>05/27/2022 - Received CDA. Hence, condition is resolved. | 05/27/2022 - Received CDA. Hence, condition is resolved. | 05/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 05/13/2022 | 08/08/2022 | 08/08/2022 | 05/13/2022 |
| xxx | xxx | 432187 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 13ICYMCC4SY-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as both CU scores are missing.<br>5/23/2022 - Received AVM and condition is resolved. | 5/23/2022 - Received AVM and condition is resolved. | 5/23/2022 - Received AVM and condition is resolved. |  |  | QC Complete | 05/16/2022 | 05/23/2022 | 05/23/2022 | 05/16/2022 |
| xxx | xxx | 693909 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | ENWLUPOQ3O2-3L2978EM | Resolved | 2 | R | \* Assets do not meet guidelines (Lvl R) | The transaction is Purchase transaction and Cash from borrower required xxx. Assets are not available in the file.<br>5/9/2022 - Received confirmation from client that per Credit Memo from xxx Head of Credit dated March 1st, 2022, on DSCR loans proof of funds is not required at LTV's of xxx and less as well as xxx or less at any LTV. Loan closed at LTV of xxx so closing funds not required. Hence, exception is resolved. | 5/9/2022 - Received confirmation from client that per Credit Memo from xxx Head of Credit dated March 1st, 2022, on DSCR loans proof of funds is not required at LTV's of xxx and less as well as xxx or less at any LTV. Loan closed at LTV of xxx so closing funds not required. Hence, exception is resolved. | 5/9/2022 - Received confirmation from client that per Credit Memo from xxx Head of Credit dated March 1st, 2022, on DSCR loans proof of funds is not required at LTV's of xxx and less as well as xxx or less at any LTV. Loan closed at LTV of xxx so closing funds not required. Hence, exception is resolved. |  |  | QC Complete | 04/14/2022 | 08/08/2022 | 08/08/2022 | 04/13/2022 |
| xxx | xxx | 693909 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | ENWLUPOQ3O2-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Both The CU/LCA Scores Are Missing . AVM to be ordered.<br>05/16/2022 - Received CDA. Hence, condition is resolved. | 05/16/2022 - Received CDA. Hence, condition is resolved. | 05/16/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 04/14/2022 | 05/16/2022 | 05/16/2022 | 04/13/2022 |
| xxx | xxx | 693909 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | ENWLUPOQ3O2-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Master Policy missing in the file.<br>4/27/2022 - Not Resolved - Received Master policy but start date and end date of the policy is missing , Coverage is missing.<br>5/20/2022 - Received Master policy and confirmation from client the Master condo policy reflecting start and end dates, flood and building coverage. The general expiration is xxx but the flood is xxx for Location xxx (Phase xxx) as indicated on pg 3 and on separate flood policy being uploaded. We could not locate "walls-in" language so the HO-6 policy has a dwelling amount of xxx which meets the 20% URAR value dwelling coverage requirement for interior fixtures and appointments that the master policy may not cover. Hence condition is resolved | 5/20/2022 - Received Master policy and confirmation from client the Master condo policy reflecting start and end dates, flood and building coverage. The general expiration is xxx but the flood is xxx for Location xxx (Phase xxx) as indicated on pg 3 and on separate flood policy being uploaded. We could not locate "walls-in" language so the HO-6 policy has a dwelling amount of xxx which meets the 20% URAR value dwelling coverage requirement for interior fixtures and appointments that the master policy may not cover. Hence condition is resolved | 5/20/2022 - Received Master policy and confirmation from client the Master condo policy reflecting start and end dates, flood and building coverage. The general expiration is xxx but the flood is xxx for Location xxx (Phase xxx) as indicated on pg 3 and on separate flood policy being uploaded. We could not locate "walls-in" language so the HO-6 policy has a dwelling amount of xxx which meets the 20% URAR value dwelling coverage requirement for interior fixtures and appointments that the master policy may not cover. Hence condition is resolved |  |  | QC Complete | 04/14/2022 | 05/20/2022 | 05/20/2022 | 04/14/2022 |
| xxx | xxx | 693909 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | ENWLUPOQ3O2-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Flood insurance for the subject property missing in the file.<br>4/27/2022 - Not Resolved - Received confirmation from the client that Flood Insurance is covered in the Condo Master Policy. Received condo master policy is incomplete.<br>5/20/2022 - Received Master policy and confirmation from client the Master condo policy reflecting start and end dates, flood and building coverage. The general expiration is xxx but the flood is xxx for Location xxx (Phase xxx) as indicated on pg 3 and on separate flood policy being uploaded. We could not locate "walls-in" language so the HO-6 policy has a dwelling amount of xxx which meets the 20% URAR value dwelling coverage requirement for interior fixtures and appointments that the master policy may not cover. Hence condition is resolved | 5/20/2022 - Received Master policy and confirmation from client the Master condo policy reflecting start and end dates, flood and building coverage. The general expiration is xxx but the flood is xxx for Location xxx (Phase xxx) as indicated on pg 3 and on separate flood policy being uploaded. We could not locate "walls-in" language so the HO-6 policy has a dwelling amount of xxx which meets the 20% URAR value dwelling coverage requirement for interior fixtures and appointments that the master policy may not cover. Hence condition is resolved | 5/20/2022 - Received Master policy and confirmation from client the Master condo policy reflecting start and end dates, flood and building coverage. The general expiration is xxx but the flood is xxx for Location xxx (Phase xxx) as indicated on pg 3 and on separate flood policy being uploaded. We could not locate "walls-in" language so the HO-6 policy has a dwelling amount of xxx which meets the 20% URAR value dwelling coverage requirement for interior fixtures and appointments that the master policy may not cover. Hence condition is resolved |  |  | QC Complete | 04/14/2022 | 05/20/2022 | 05/20/2022 | 04/14/2022 |
| xxx | xxx | 581267 |  | xxx | xxx | xxx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | CLALRLGK3X0-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Both CU score are missing. AVM to be ordered<br>5/23/2022 - AVM received and confidence score in the AVM is 0.22 which is more than the threshold limit of 0.10. CDA to be ordered.<br>05/27/2022 - Received CDA. Hence, condition is resolved. | 05/27/2022 - Received CDA. Hence, condition is resolved. | 05/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 05/17/2022 | 08/08/2022 | 08/08/2022 | 05/17/2022 |
| xxx | xxx | 914579 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | OHHWBRXPY1E-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as CU Scores are missing<br>05/27/2022 - Received CDA. Hence, condition is resolved. | 05/27/2022 - Received CDA. Hence, condition is resolved. | 05/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 05/13/2022 | 08/08/2022 | 08/08/2022 | 05/12/2022 |
| xxx | xxx | 200447 |  | xxx | xxx | xxx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 1SPSOTF1W5O-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM Variance is -65.594% FSD is 0.16 Appraised Value: xxx, However additional valuation is missing in this Package.CDA to be ordered<br>05/27/2022 - Received CDA. Hence, condition is resolved. | 05/27/2022 - Received CDA. Hence, condition is resolved. | 05/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 05/16/2022 | 08/08/2022 | 08/08/2022 | 05/16/2022 |
| xxx | xxx | 102573 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | L32V0AP1HXB-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU scores are not present in the file . AVM to be ordered<br>5/23/2022 - Received AVM and condition is resolved. | 5/23/2022 - Received AVM and condition is resolved. | 5/23/2022 - Received AVM and condition is resolved. |  |  | QC Complete | 05/17/2022 | 05/23/2022 | 05/23/2022 | 05/17/2022 |
| xxx | xxx | 102573 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Assets Insufficient | L32V0AP1HXB-YHOZ28S0 | Resolved | 3 | R | \* Cash reserves less than required by guidelines (Lvl R) | Short of assets for reserve requirement xxx. Verified assets in the file is xxx and Funds to close xxx. Assets after closing xxx and reserve requirement xxx<br>07/27/2022 - As per uploaded credit memo, for business purpose/DSCR loans, verification of the seasoning of funds to close is not required on loans of xxx LTV and below. Hence, exception is resolved. | 07/27/2022 - As per uploaded credit memo, for business purpose/DSCR loans, verification of the seasoning of funds to close is not required on loans of xxx LTV and below. Hence, exception is resolved. | 07/27/2022 - As per uploaded credit memo, for business purpose/DSCR loans, verification of the seasoning of funds to close is not required on loans of xxx LTV and below. Hence, exception is resolved. |  |  | QC Complete | 05/17/2022 | 08/08/2022 | 08/08/2022 | 05/20/2022 |
| xxx | xxx | 167892 |  | xxx | xxx | xxx | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | HRWJOZZ4L5U-30KZI3LH | Resolved | 4 | R | \* Credit score does not meet guidelines (Lvl R) | In the file we have 2 repositories scores. As per guideline all 3 credit bureaus scores are required<br>07/27/2022 - As Per Guidelines Sec 4.6, 2nd bullet point, if only two scores are reporting then we will grade off the lower score. xxx does have a provision to take reports with only two scores. Hence, exception is resolved. | 07/27/2022 - As Per Guidelines Sec 4.6, 2nd bullet point, if only two scores are reporting then we will grade off the lower score. xxx does have a provision to take reports with only two scores. Hence, exception is resolved. | 07/27/2022 - As Per Guidelines Sec 4.6, 2nd bullet point, if only two scores are reporting then we will grade off the lower score. xxx does have a provision to take reports with only two scores. Hence, exception is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 05/20/2022 |
| xxx | xxx | 167892 |  | xxx | xxx | xxx | Cash Out | Non-QM/Compliant | 4 | 1 | Valuation | Valuation | HRWJOZZ4L5U-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Confidence score is 0.26 which is exceeding 0.13 threshold limit. CDA to be ordered<br>05/27/2022 - Received CDA. Hence, condition is resolved. | 05/27/2022 - Received CDA. Hence, condition is resolved. | 05/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 05/16/2022 |
| xxx | xxx | 167892 |  | xxx | xxx | xxx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | HRWJOZZ4L5U-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 :8.046% Allowed :6.240% Over by :+1.806%<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 | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 735199 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | L4ORGE1NNJG-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 7.881% Allowed 6.290% Over By +1.591%<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 | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 735199 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Valuation | Valuation | L4ORGE1NNJG-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as both CU scores are missing.<br> Moreover, AVM has been ordered by xxx.<br>06/01/2022 - CDA Received. Hence, Condition resolved. | 06/01/2022 - CDA Received. Hence, Condition resolved. | 06/01/2022 - CDA Received. Hence, Condition resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 05/23/2022 |
| xxx | xxx | 735199 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | L4ORGE1NNJG-UTM9VHCU | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | Assets not mentioned on final 1003, but Bank statement available in the package. <br>Cash From Borrower = xxx<br>08/08/2022 - This is the bank statement loan and we have bank statement available in the package. No other document is required. Hence, exception is resolved. | 08/08/2022 - This is the bank statement loan and we have bank statement available in the package. No other document is required. Hence, exception is resolved. | 08/08/2022 - This is the bank statement loan and we have bank statement available in the package. No other document is required. Hence, exception is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 05/23/2022 |
| xxx | xxx | 735199 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Income | L4ORGE1NNJG-L3KXO96W | Resolved | 3 | R | \* Reverification within 10 days is missing (Lvl R) | Provide Verbal verification of employment (VVOE) conducted by Funding Department within ten (10) calendar days prior to Closing in wet states or Signing in dry states.<br>07/28/2022 - Borrower qualified under self employment bank statement program using bank statements; therefore no VVOE required. Hence, exception is resolved. | 07/28/2022 - Borrower qualified under self employment bank statement program using bank statements; therefore no VVOE required. Hence, exception is resolved. | 07/28/2022 - Borrower qualified under self employment bank statement program using bank statements; therefore no VVOE required. Hence, exception is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 05/24/2022 |
| xxx | xxx | 938432 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | ARQHIY4MCQM-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU risk score and LCA risk score is missing in file . AVM to be ordered<br>5/23/2022 - Received AVM and condition is resolved. | 5/23/2022 - Received AVM and condition is resolved. | 5/23/2022 - Received AVM and condition is resolved. |  |  | QC Complete | 05/13/2022 | 05/23/2022 | 05/23/2022 | 05/13/2022 |
| xxx | xxx | 821873 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 4CSNF3GOXUT-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CDA to be ordered. Received AVM the Variance is -17.674% which is more than threshold limit.<br>Moreover, CDA has been ordered by xxx.<br>06/01/2022 - Desk Review Received. Hence, Condition Resolved. | 06/01/2022 - Desk Review Received. Hence, Condition Resolved. | 06/01/2022 - Desk Review Received. Hence, Condition Resolved. |  |  | QC Complete | 05/23/2022 | 06/01/2022 | 06/01/2022 | 05/23/2022 |
| xxx | xxx | 166762 |  | xxx | xxx | xxx | Purchase | Not Covered/Exempt | 2 | 1 | Credit | Credit | GNAMP3IFQBG-U0OKEMMW | Resolved | 2 | R | \* Required Documentation Missing or Incomplete (Lvl R) | LO not licensed in xxx citing this is an warning as we have exception approval form stating - LO is not licensed in xxx. Ok as one unit and NOO- LO does not need to be licensed.<br>08/08/2022 - This is not an exception to guidelines as licensing is not required. Hence, exception is resolved. | 08/08/2022 - This is not an exception to guidelines as licensing is not required. Hence, exception is resolved. | 08/08/2022 - This is not an exception to guidelines as licensing is not required. Hence, exception is resolved. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 05/23/2022 |
| xxx | xxx | 366543 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 1MRWJFUWBIL-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 7.334% Allowed 6.240% Over by +1.094%<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 | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 366543 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 1MRWJFUWBIL-L5G0OVLJ | Resolved | 3 | R | \* Missing Initial Closing Disclosure (Lvl R) | Initial Closing Disclosure is missing in the loan package. Kindly provide Initial Closing Disclosure.<br>Resolved 7/27/2022 : Received Initial Closing Disclosure and updated, hence condition cleared. | Resolved 7/27/2022 : Received Initial Closing Disclosure and updated, hence condition cleared. | Resolved 7/27/2022 : Received Initial Closing Disclosure and updated, hence condition cleared. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| xxx | xxx | 366543 |  | xxx | xxx | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 1MRWJFUWBIL-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | (xxx AB 260, xxx Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code.<br>xxx AB 260 Higher-Priced Mortgage Loan Test: Charged 7.334% Allowed 6.240% Over by +1.094%<br>This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) | This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) | This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **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** |
| **Infinity Loan ID** | **Loan Number** | **REDACTED ID** | **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** |
| xxx | xxx | 999525 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -1.789% | xxx | 0.05 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -0.813% | xxx | xxx | Yes | 2.5 | 1.4 |
| xxx | xxx | 334507 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| xxx | xxx | 797079 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -1.230% | xxx | 0.07 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 423511 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 0.278% | xxx | 0.03 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 229145 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1025 2-4 Family Property | xxx | xxx | 15.079% | xxx | 0.182 | xxx | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 709357 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 3.529% | xxx | 0.05 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 879848 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | $0.00 | 0.000% | xxx | 0.06 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 805220 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 7.574% | xxx | 0.07 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 224106 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 1.570% | xxx | 0.02 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 408702 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 1.046% | xxx | 0.08 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 330882 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxx | xxx | 453550 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 13.447% | xxx | 0.11 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 269004 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 5.778% | xxx | 0.07 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 131229 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1073 Condominiums | xxx | xxx | 5.319% | xxx | 0.05 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 865280 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -14.894% | xxx | 0.19 | xxx | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 811996 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1025 2-4 Family Property | xxx | xxx | -12.109% | xxx | 0.131 | xxx | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 982791 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 234503 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -4.609% | xxx | 0.09 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 886163 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -13.058% | xxx | 0.119 | xxx | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 891744 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Condominiums |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 293602 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Condominiums | xxx | xxx | 2.571% | xxx | 0.14 | xxx | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 971791 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -0.923% | xxx | 0.11 | xxx | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 984014 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 5.153% | xxx | 0.1 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | 3.529% | xxx | xxx | No | Not Applicable | Not Applicable |
| xxx | xxx | 384405 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Condominiums | xxx | xxx | -6.478% | xxx | 0.035 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 823799 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -0.023% | xxx | 0.093 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 824182 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -5.063% | xxx | xxx | No | Not Applicable | Not Applicable |
| xxx | xxx | 932556 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -2.602% | xxx | 0.06 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 754298 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 2-4 Family Property | xxx | xxx | -23.333% | xxx | 0.08 | xxx | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 914290 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004C Manufactured Home | xxx | xxx | 6.119% | xxx | 0.037 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 111105 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| xxx | xxx | 960983 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 1.231% | xxx | 0.04 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 468954 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Condominiums | xxx | xxx | 1.111% | xxx | 0.18 | xxx | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 538499 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 10.976% | xxx | 0.08 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 706749 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 432187 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 2.229% | xxx | 0.08 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 451068 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 0.971% | xxx | 0.02 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 693909 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Condominiums |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 103964 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -8.311% | xxx | 0.03 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 581267 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -26.749% | xxx | 0.22 | xxx | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 914579 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Condominiums |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 779132 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -1.099% | xxx | 0.03 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 675484 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 1.078% | xxx | 0.04 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxx | xxx | 200447 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -65.594% | xxx | 0.16 | xxx | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 102573 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004C Manufactured Home | xxx | xxx | 7.164% | xxx | 0.08 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 167892 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 0.533% | xxx | 0.26 | xxx | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 735199 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Condominiums |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 686710 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -3.568% | xxx | 0.03 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 938432 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -0.100% | xxx | 0.08 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 821873 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -17.674% | xxx | 0.06 | xxx | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 166762 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Condominiums | xxx | xxx | -8.000% | xxx | 0.09 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 366543 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 1.035% | xxx | 0.02 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.1 |

---

## Exhibit 99.7

**Data Compare**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **REDACTED ID** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| xxx | xxx | 999525 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | The Final Application reflects B1 Citizenship Status as Foreign National. | Initial |
| xxx | xxx | 999525 |  | Original Appraisal Date | xxx | xxx | -7 (Days) |  | The Appraisal reflects Original Appraisal Date as xxx. | Initial |
| xxx | xxx | 334507 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | The Final Application reflects B1 Citizenship Status as Foreign National. | Initial |
| xxx | xxx | 797079 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | The Final Application reflects B1 Citizenship Status as Foreign National. | Initial |
| xxx | xxx | 797079 |  | Original Note Doc Date | xxx | xxx | -5 (Days) |  | The Note reflects Original Note Doc Date as xxx. | Initial |
| xxx | xxx | 229145 |  | Subject Property Type | 4 Family |  |  |  | The Appraisal dated xxx reflects Subject Property Type as 4 Family. | Initial |
| xxx | xxx | 879848 |  | Borrower DTI Ratio Percent | 42.941% | 49.100% | -6.159% | -6.15900% | Total subject property PITIA (P&I xxx + Real Estate Taxes xxx + Hazard Insurance xxx + Flood Insurance $0.00 + MI $0.00 + HOA Dues $0.00) equals xxx and the monthly other debts equal xxx. Total verified monthly income equals xxx. Borrower DTI ratio equals 42.941%. | Initial |
| xxx | xxx | 879848 |  | Original Note Doc Date | xxx | xxx | -5 (Days) |  | The Note reflects Original Note Doc Date as xxx. | Initial |
| xxx | xxx | 879848 |  | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | The Final Closing Disclosure signed on xxx reflects Purpose of Transaction per HUD-1 as Refinance. | Initial |
| xxx | xxx | 453550 |  | Original Note Doc Date | xxx | xxx | -4 (Days) |  | The Note reflects Original Note Doc Date as xxx. | Initial |
| xxx | xxx | 811996 |  | Original Note Doc Date | xxx | xxx | -3 (Days) |  | The Note reflects Original Note Doc Date as xxx. | Initial |
| xxx | xxx | 293602 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | The Final Application reflects B1 Citizenship Status as Foreign National. | Initial |
| xxx | xxx | 971791 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | The Final Application reflects B1 Citizenship Status as Foreign National. | Initial |
| xxx | xxx | 971791 |  | Original Note Doc Date | xxx | xxx | -1 (Days) |  | The Note reflects Original Note Doc Date as xxx. | Initial |
| xxx | xxx | 384405 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | The Final Application reflects B1 Citizenship Status as Foreign National. | Initial |
| xxx | xxx | 823799 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | The Final Application reflects B1 Citizenship Status as Foreign National. | Initial |
| xxx | xxx | 824182 |  | Original Note Doc Date | xxx | xxx | -2 (Days) |  | The Note reflects Original Note Doc Date as xxx. | Initial |
| xxx | xxx | 932556 |  | B1 Credit Score | xxx | xxx | xxx | -0.69565% | The Credit report dated xxx reflects B1 Credit Score as xxx. | Initial |
| xxx | xxx | 914290 |  | Original Note Doc Date | xxx | xxx | -1 (Days) |  | The Note reflects Original Note Doc Date as xxx. | Initial |
| xxx | xxx | 914290 |  | Subject Property Type | Manufactured Housing | Single Family |  |  | The Appraisal dated xxx reflects Subject Property Type as Manufactured Housing. | Initial |
| xxx | xxx | 468954 |  | Original Note Doc Date | xxx | xxx | -3 (Days) |  | The Note reflects Original Note Doc Date as xxx. | Initial |
| xxx | xxx | 581267 |  | B1 Credit Score | xxx | xxx | xxx | -3.68020% | The Credit report dated xxx reflects B1 Credit Score as xxx. | Initial |
| xxx | xxx | 914579 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | The Final Application reflects B1 Citizenship Status as Foreign National. | Initial |
| xxx | xxx | 779132 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | The Final Application reflects B1 Citizenship Status as Foreign National. | Initial |
| xxx | xxx | 675484 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | The Final Application reflects B1 Citizenship Status as Foreign National. | Initial |
| xxx | xxx | 102573 |  | Subject Property Type | Manufactured Housing | Single Family |  |  | The Appraisal dated xxx reflects Subject Property Type as Manufactured Housing. | Initial |
| xxx | xxx | 735199 |  | Original Note Doc Date | xxx | xxx | -3 (Days) |  | The Note reflects Original Note Doc Date as xxx. | Initial |

---

## Exhibit 99.7

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| **Infinity Loan ID** | **Loan Number** | **REDACTED ID** | **Loan Number 2** | **GSE Eligible Flag** | **DU/LP Approval** | **CDFI Flag** | **Is CEMA (Yes/No)** | **Application Date** | **Guideline Name** | **TILA Status** | **MERS MIN Number** | **Qualifying FICO** | **Verification Safe Harbor Flag** | **Verification Safe Harbor Reference Document** | **ATR QM Total Points and Fees Audit** | **Default Interest Rate Flag** | **Default Interest Rate** | **Cross collateralized Loan Flag** | **Cross Collateralized Loan Release Provision** | **BK Discharge date** | **Bk Chapter** | **Foreclosure Date** | **Short Sale Date** | **Deed In Lieu Date** | **Months of Reserves for Subject Property** | **Project Classification: Warrantable/Non-Warrantable** | **Appraiser Name** | **Appraiser's License Number** | **Appraisal Company** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Borrower Documentation Used to Determine Legal Residency** | **Co-Borrower Documentation Used to Determine Legal Residency** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Underwriting Program** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **WVOE Flag (Borr)** | **# of Months of Income validated WVOE (Borr)** | **WVOE Form** | **WVOE Flag (Co-Borr)** | **# of Months of Income validated WVOE (Co-Borr)** | **WVOE Form (Co-Borr)** | **Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Co-Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Borr Years of Business Tax Returns/Transcripts** | **Co-Borr Years of Business Tax Returns/Transcripts** | **Bank Statement Flag (Borr)** | **# of months Personal Bank statements (Borr)** | **# of months Business Bank statements (Borr)** | **Bank Statement Flag (Co-Borr)** | **# of months Personal Bank statements (Co-Borr)** | **# of months Business Bank statements (Co-Borr)** | **P&L Flag (Borr)** | **# of Months P&L (Borr)** | **Who Prepared the P&L** | **CPA Letter Flag (Borr)** | **# of Months CPA verified income (Borr)** | **P&L Flag (Co-Borr)** | **Who Prepared the P&L** | **# of Months P&L (Co-Borr)** | **CPA Letter Flag (Co-Borr)** | **# of Months CPA verified income (Co-Borr)** | **Asset Depletion Flag (DTI)** | **Partial Asset Depletion Flag (DTI)** | **Asset Depletion months amortized** | **Asset Utilization Flag (No DTI)** | **Bespoke Eligible Assets** | **Income Doc Summary** | **Calculated Front End Housing Ratio** | **Calculated Debt-to-Income Ratio** | **DSCR Flag** | **Number of Rental Units** | **Market Rent** | **Market Rent Source** | **Lease in Place** | **Actual in Place Rent** | **DSCR Calc based on Short Term Rental Income Flag** | **DSCR Calculation Method (at Orig)** | **Rental Income Used for DSCR** | **PITIA for DSCR** | **DSCR (at Origination)** | **Borrower Type** | **Loan closed in the name of an entity flag** | **Borrower Entity Name** | **Personal Guaranty Flag** | **Personal Guaranty Recourse to the Borrower Level** | **Guarantor Designation** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** |
| xxx | xxx | 999525 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | Not Applicable | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 18 | Not Applicable | xxx | xxx | xxx | Foreign National | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.64237 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 334507 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | Not Applicable | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 47 | Warrantable | xxx | xxx | xxx | Foreign National | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.62363 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 797079 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | Not Applicable | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 101 | Warrantable | xxx | xxx | xxx | Foreign National | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Lease Agreement | xxx | xxx | 0.87023 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 423511 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 149 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.76278 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 229145 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 2 | Not Applicable | xxx | xxx | xxx | Non-Resident Alien | Not Applicable | Employment Authorization Document | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 4 | xxx | Form 216 | Yes | xxx | No | Lease Agreement | xxx | xxx | 1.04602 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 709357 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 172 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Employed | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.69636 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 879848 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 14 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 32.23% | 42.94% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 805220 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 37 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.81211 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 224106 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 48 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Employed | Not Applicable | Full Documentation | 2+ Years | Not Applicable | Yes | 34 | The Work Number | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Work Number- with Income [Primary], W2, Pay Stub | 37.30% | 50.35% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 408702 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 124 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.01019 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 330882 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 1 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 13.12% | 14.98% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 453550 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 36 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Employed | Not Applicable | Full Documentation | 2+ Years | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: W2 [Primary], Pay Stub | 45.59% | 45.59% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 269004 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 40 | Warrantable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 9.24% | 11.83% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 131229 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 66 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Lease Agreement | xxx | xxx | 0.96053 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 865280 |  | No | Not Applicable | Not Applicable | No | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 8 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Form 1007 | xxx | xxx | 1.02468 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 811996 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 14 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 2 | xxx | Form 216 | Yes | xxx | No | Form 216 | xxx | xxx | 0.99518 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 982791 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 12 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.00701 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 234503 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 19 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.00125 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 886163 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 9 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 22.70% | 37.18% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 891744 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 4 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.06725 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 293602 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | Not Applicable | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 12 | Not Applicable | xxx | xxx | xxx | Foreign National | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.67483 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 971791 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | Not Applicable | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 58 | Not Applicable | xxx | xxx | xxx | Foreign National | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.95574 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 984014 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 30 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.2505 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 384405 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | Not Applicable | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 41 | Not Applicable | xxx | xxx | xxx | Foreign National | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.05151 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 823799 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | Not Applicable | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 144 | Not Applicable | xxx | xxx | xxx | Foreign National | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.80651 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 824182 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 118 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.09527 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 932556 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 4 | Not Applicable | xxx | Unavailable | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.13982 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 754298 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 5 | Not Applicable | xxx | xxx | xxx | Non-Resident Alien | Not Applicable | Employment Authorization Document | Not Applicable | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 10.37% | 28.84% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 914290 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 13 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.39193 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 111105 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 12 | Not Applicable | xxx | xxx | xxx | Non-Resident Alien | Not Applicable | Employment Authorization Document | Not Applicable | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 31.75% | 41.89% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 960983 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 31 | Not Applicable | xxx | xxx | xxx | Non-Resident Alien | Non-Resident Alien | Employment Authorization Document | Employment Authorization Document | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 6.78% | 13.95% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 468954 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 248 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.11273 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 538499 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 14 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.8921 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 706749 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 20 | Not Applicable | xxx | xxx | xxx | Permanent Res Alien | Permanent Res Alien | Green Card | Green Card | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Form 1007 | xxx | xxx | 0.71122 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 432187 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 3 | Not Applicable | xxx | xxx | xxx | Non-Resident Alien | Non-Resident Alien | Employment Authorization Document | Employment Authorization Document | Not Applicable | Employed | Full Documentation | Not Applicable | 2+ Years | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Not Applicable; B2: W2 [Primary], Pay Stub | 20.26% | 43.28% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 451068 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 87 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.6974 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 693909 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 0 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.74995 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 103964 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 11 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.87492 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 581267 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 72 | Not Applicable | xxx | xxx | xxx | Non-Resident Alien | Non-Resident Alien | Employment Authorization Document | Employment Authorization Document | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Lease Agreement | xxx | xxx | 0.72672 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 914579 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | Not Applicable | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 95 | Not Applicable | xxx | xxx | xxx | Foreign National | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.7464 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 779132 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | Not Applicable | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 13 | Warrantable | xxx | xxx | xxx | Foreign National | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.08577 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 675484 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | Not Applicable | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 75 | Not Applicable | xxx | xxx | xxx | Foreign National | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.83074 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 200447 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 0 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | xxx | No | Form 1007 | xxx | xxx | 1.24527 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 102573 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 5 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.98458 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 167892 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 20 | Not Applicable | xxx | xxx | xxx | Permanent Res Alien | Permanent Res Alien | Green Card | Green Card | Employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 22.39% | 30.97% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 735199 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 9 | Warrantable | xxx | xxx | xxx | Non-Resident Alien | Not Applicable | Employment Authorization Document | Not Applicable | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 47.84% | 49.12% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 686710 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 24 | Warrantable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 2.51% | 27.82% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 938432 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 7 | Warrantable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 0.84149 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 821873 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 27 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.36111 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 166762 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 3 | Warrantable | xxx | xxx | xxx | Permanent Res Alien | US Citizen | Green Card | Not Applicable | Not Applicable | Employed | 12 Mo Bank Statement | Not Applicable | Not Verified | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Not Applicable; B2: Bank Statement [Primary] | 17.13% | 32.12% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 366543 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 1 | Not Applicable | xxx | xxx | xxx | Non-Resident Alien | Not Applicable | Employment Authorization Document | Not Applicable | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 23.96% | 23.96% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

---

## Exhibit 99.8

**Exhibit 99.8**

![](n5837clayton_img001.jpg)

4/14/2026 <br> Due Diligence Narrative Report

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **3** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 4 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&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** | **10** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

BRAVO 2026-NQMR1 Due Diligence Narrative Report Page \| 1 April 14, 2026

**CLAYTON CONTACT INFORMATION**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](n5837clayton_img003.jpg) | **Ralph Fox** | Client Services Senior Director |
|  |  | Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u> |
| ![](n5837clayton_img003.jpg) | **Joe Ozment** | Vice President of Client Services and Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**OVERVIEW**

On behalf of Citadel, Clayton conducted an independent third-party pre-securitization due diligence review of 170 residential loans.

On behalf of LoanStream Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan.

On behalf of AmWest, Clayton conducted an independent third-party pre-securitization due diligence review of 49 residential loans.

On behalf of Excelerate, Clayton conducted an independent third-party pre-securitization due diligence review of 9 residential loans.

On behalf of First Guaranty Mortgage Corporation, Clayton conducted an independent third-party pre-securitization due diligence review of 67 residential loans.

On behalf of HomeXpress Mortgage Corp., Clayton conducted an independent third-party pre-securitization due diligence review of 28 residential loans.

On behalf of Impac, Clayton conducted an independent third-party pre-securitization due diligence review of 43 residential loans.

On behalf of Mortgage Bank of CA, Clayton conducted an independent third-party pre-securitization due diligence review of 2 residential loans.

On behalf of OCMBC, Clayton conducted an independent third-party pre-securitization due diligence review of 3 residential loans.

On behalf of Nations Direct Mortgage LLC, Clayton conducted an independent third-party pre-securitization due diligence review of 4 residential loans.

Loan Funding Structure LLC subsequently purchased these loans via Reliance Letter and selected them for the BRAVO 2026-NQMR1 transaction.

On behalf of Loan Funding Structure LLC Clayton conducted an independent third-party pre-securitization due diligence review of 8 residential loans.

The loans referenced in this narrative report were reviewed on a flow basis from February 2016 to June 2022 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

BRAVO 2026-NQMR1 Due Diligence Narrative Report Page \| 2 April 14, 2026

**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;279 | &nbsp;&nbsp;72.66% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;43 | &nbsp;&nbsp;11.20% |
| &nbsp;&nbsp;Correspondent Flow without delegated underwriting | &nbsp;&nbsp;54 | &nbsp;&nbsp;14.06 |
| &nbsp;&nbsp;(No Data) Not in Scope – Compliance Only Review | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**384** | &nbsp;&nbsp;**100.00%** |

---

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

The scope of work for 376 loans in this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and was performed in accordance with rating agency1 loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

The scope of work for 8 loans in this transaction consisted of a regulatory compliance review, plus a data integrity check, and was performed in accordance with rating agency loan level review standards in place as of the date of the review. This is referred to as a "Compliance Only Review."

SAMPLING

For all originators in this transaction, 97.14% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | 373\* | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | 384 |  |

---

\*3 loans were not reviewed for regulatory compliance in accordance with paragraph 2 of the "Compliance Review (Business Purpose, Non-Owner Occupied)", and 8 loans received a Compliance Only Review

BRAVO 2026-NQMR1 Due Diligence Narrative Report Page \| 3 April 14, 2026

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, Kroll, DBRS and Morningstar.

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 loan documentation provided to Clayton.

&nbsp;&nbsp;**CREDIT REVIEW**

Clayton's Credit scope of review conducted on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u><u> </u>and to the guidelines cited above):

&nbsp;&nbsp;&nbsp;&nbsp;&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 Sponsor Acquisition Criteria cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&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 Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Evaluated evidence of borrower's willingness and ability to repay the obligation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Examined Data Verify risk evaluation report, which was located in each loan file, for income, employment, Nationwide Mortgage Licensing
System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information against loan documentation
and assigned loan conditions accordingly.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Clayton's Property Valuation scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original Appraisal Assessment (376 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 scope and desk review definitions, please refer to <u>Appendix B</u> and to the guidelines cited above.

BRAVO 2026-NQMR1 Due Diligence Narrative Report Page \| 4 April 14, 2026

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value Supported Analysis (339 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;<br>

&nbsp;&nbsp;&nbsp;&nbsp;● AVM

&nbsp;&nbsp;&nbsp;&nbsp;● BPO

&nbsp;&nbsp;&nbsp;&nbsp;● Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;● Field Review

&nbsp;&nbsp;&nbsp;&nbsp;● Second Full Appraisal

36 loans had CU scores of 2.5 or less and and did not require a third party valuation. For further detail please refer to the BRAVO 2026-NQMR1 Valuations Summary Report

&nbsp;&nbsp;**REGULATORY COMPLIANCE REVIEW**

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u> and to the guidelines cited above.)

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;&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;&nbsp;&nbsp;&nbsp;&nbsp;■ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

&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 The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point. Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

– Prepayment Penalty restrictions.

– TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-

BRAVO 2026-NQMR1 Due Diligence Narrative Report Page \| 5 April 14, 2026

Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

– 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 SFA 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 SFA'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 SFA 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.

Following the June 15th 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.

<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).

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

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:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

BRAVO 2026-NQMR1 Due Diligence Narrative Report Page \| 6 April 14, 2026

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

● Virginia Lender and Broker Act after 6/1/2008

● 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)

● Sufficiency of coverage

● Escrow of insurance payments

DATA INTEGRITY

Clayton utilized its proprietary eCLAS tool to determine tape to file accuracy of each reviewed loan, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tape data received from lender/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Reviewer collects validated loan data in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Discrepancies found during comparison are stored

DATA CAPTURE

Clayton collected data fields required to create American Securitization Forum ("ASF"). 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 Loan Funding Structure LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Assumable ID | &nbsp;&nbsp;32 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Bankruptcy Chapter | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.48% |
| &nbsp;&nbsp;Borrower 1 First Time Home Buyer | &nbsp;&nbsp;11 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;10 | &nbsp;&nbsp;97.40% |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;12 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Borrower 2 First Time Home Buyer | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;13 | &nbsp;&nbsp;96.61% |
| &nbsp;&nbsp;Borrower 2 Middle Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;7 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.48% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;34 | &nbsp;&nbsp;91.15% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;83 | &nbsp;&nbsp;78.39% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;DTI Qualifying (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.48% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;98.70% |
| &nbsp;&nbsp;HCLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;98.44% |
| &nbsp;&nbsp;Lender Application Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.22% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;26 | &nbsp;&nbsp;93.23% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.48% |
| &nbsp;&nbsp;Maximum Rate | &nbsp;&nbsp;5 | &nbsp;&nbsp;98.70% |
| &nbsp;&nbsp;Min Number | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;98.70% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;20 | &nbsp;&nbsp;94.79% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.22% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;51 | &nbsp;&nbsp;86.72% |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.22% |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;114 | &nbsp;&nbsp;70.31% |
| &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;34 | &nbsp;&nbsp;91.15% |
| &nbsp;&nbsp;Property Tax Total Tax Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;35 | &nbsp;&nbsp;90.89% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Rate Change Frequency(Months) | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;11 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;18 | &nbsp;&nbsp;95.31% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;37 | &nbsp;&nbsp;90.36% |

---

**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.

BRAVO 2026-NQMR1 Due Diligence Narrative Report Page \| 8 April 14, 2026

**Initial and Final Overall Loan Grade Results\***

\*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.

**Initial and Final Credit Component Grade Results**

**Initial and Final Property Valuation Grade Results**

**Initial and Final Regulatory Compliance Grade Results\***

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (3 loans in pool)

BRAVO 2026-NQMR1 Due Diligence Narrative Report Page \| 9 April 14, 2026

**CLAYTON THIRD PARTY REPORTS DELIVERED**

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report

2. Conditions Report

3. Conditions Report-Compliance Only

4. Loan Level Tape Compare Upload

5. Waived Conditions Summary Report

6. Valuations Summary Report

7. NON-ATR QM Upload

8. Attestation Forms

9. ASF Upload

10. Rating Agency ATR/QM Data Fields

11. Standard Upload

12. RPL Upload

**APPENDIX A: CREDIT REVIEW SCOPE**

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit
score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income and
 employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets and
 reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction
 eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment analyzed and verified through use of various documents, including:

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– 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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Other documentation
 in loan file

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

– 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Leasehold
 estate

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– 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

– Social Security inconsistencies

– Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

– Borrower address history

– Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Licensing – reviewed
 NMLS data for:

– Mortgage lender/originator

– Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

BRAVO 2026-NQMR1 Due Diligence Narrative Report Page \| 12 April 14, 2026

**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT**

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Photos
 of all comparable sales and listings

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

– If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

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– 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

– Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Reviewed and graded the appraisal valuation to the following criteria:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 3
 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 2
 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable
 or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured
 or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Condotel
 units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Unique
 properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Working
 farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use
 properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 subject to existing oil or gas leases

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 exceeding Sponsor Acquisition Criteria requirements for excess acreage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;&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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 does not check to see if the appraiser is on the Freddie Mac exclusionary list

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Desk
 Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real property relating to completeness,
reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer. The CDA will offer an alternative
value, if deemed appropriate, based on the analysis of the competitive market as of the effective date of the appraisal provided. The
CDA will also provide an analysis of the appraisal provided, including supporting narrative and data to fully support the CDA value and
outline deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the findings of the analysis
for the appraisal provided to Clear Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file completed by a licensed
appraiser. The ARR validates subject and comparable data and characteristics, confirms the original appraiser's methodologies, credentials,
and commentary to insure compliance with regulatory requirements and industry accepted best practices, and flags all risk factors while
also providing a final value reconciliation used to grade the loan.

**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>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **RESPA and Regulation X:** Loan level analysis on the following:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosure Rule: "The Initial TRID Scope" and "RMBS 3.0 TRID
 Compliance Review 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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Pre-application
 Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;● Pre-application forms cannot look similar to the LE

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Timing
 Requirements:

&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.

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&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;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee
 Tolerances:

&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;● If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-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;■ Payment
 Schedule Accuracy:

&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;● Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Accuracy
 of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;● Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;● Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;● Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Technical
 Requirements

&nbsp;&nbsp;&nbsp;&nbsp;● Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;● Compliance with specified formatting requirements.

&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;● Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;● Title fees preceded by "Title –."

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Consistency
 within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;● Once a fee is disclosed it must remain substantially the same name across disclosures.

&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;● 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;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Completion
 of the LE and CD

&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;● 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;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Waivers

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&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Corrected
 CD requiring a new waiting period

&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.

&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;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Post-Close
 CD's

&nbsp;&nbsp;&nbsp;&nbsp;● Corrected CD's provided with a post-close refund.

&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;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Related
 Documentation

&nbsp;&nbsp;&nbsp;&nbsp;● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&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;● Affiliated Business Disclosure (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;&nbsp;&nbsp;&nbsp;&nbsp;■ Outside
 of Clayton's default TRID scope:

&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;● Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;● Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**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:

---

| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **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 |

---

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<u>Maine</u> <u>Minnesota</u>  

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 | |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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:

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

**Borrower's Interest**

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<u>Maine</u> <u>Ohio</u> <u>South Carolina</u> <br> <u>Massachusetts</u> <u>Rhode Island</u>  

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Consumer
 Protection

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee 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:

---

| | |
|:---|:---|
| **Consumer Protection** | **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) |  |

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See above for additional details on Consumer Protection Laws and the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope.

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

BRAVO 2026-NQMR1 Due Diligence Narrative Report Page \| 20 April 14, 2026

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.© 2026 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

BRAVO 2026-NQMR1 Due Diligence Narrative Report Page \| 21 April 14, 2026

## Exhibit 99.8

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Client Name:** |  |
| &nbsp;&nbsp;**Client Project Name:** | &nbsp;&nbsp;**BRAVO 2026-NQMR1** |
| &nbsp;&nbsp;**Start - End Dates:** | &nbsp;&nbsp;**2/20/2016 - 6/14/2022** |
| &nbsp;&nbsp;**Deal Loan Count:** | &nbsp;&nbsp;**376** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| &nbsp;&nbsp;***Loans in Report:*** | &nbsp;&nbsp;*376* |
| &nbsp;&nbsp;***Loans with Conditions:*** | &nbsp;&nbsp;*262* |

---

---

| |
|:---|
| **126 - Total Active Conditions** |
| **126 - Non-Material Conditions** |
| 85 - Credit Review Scope |
| 37 - Category: Application |
| 7 - Category: Assets |
| 14 - Category: Credit/Mtg History |
| 1 - Category: DTI |
| 3 - Category: Income/Employment |
| 2 - Category: Insurance |
| 1 - Category: Legal Documents |
| 13 - Category: LTV/CLTV |
| 7 - Category: Terms/Guidelines |
| 3 - Property Valuations Review Scope |
| 1 - Category: Appraisal |
| 2 - Category: Property |
| 38 - Compliance Review Scope |
| 1 - Category: Ability to Repay/Qualified Mortgage |
| 4 - Category: Federal Consumer Protection |
| 2 - Category: RESPA |
| 3 - Category: Right of Rescission |
| 2 - Category: State Consumer Protection |
| 1 - Category: State Prepayment Penalty |
| 9 - Category: State Rate Spread |
| 16 - Category: TILA/RESPA Integrated Disclosure |
| **456 - Total Satisfied Conditions** |
| 136 - Credit Review Scope |
| 17 - Category: Application |
| 18 - Category: Assets |
| 13 - Category: Credit/Mtg History |
| 11 - Category: DTI |
| 10 - Category: Income/Employment |
| 7 - Category: Insurance |
| 8 - Category: Legal Documents |
| 1 - Category: Re-Verifications |
| 49 - Category: Terms/Guidelines |
| 2 - Category: Title |
| 141 - Property Valuations Review Scope |
| 118 - Category: Appraisal |
| 4 - Category: FEMA |
| 3 - Category: Property |
| 16 - Category: Value |
| 179 - Compliance Review Scope |
| 9 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: Borrower's Interest |
| 11 - Category: Compliance Manual |
| 6 - Category: Documentation |
| 2 - Category: Federal Consumer Protection |
| 2 - Category: Finance Charge Tolerance |
| 13 - Category: RESPA |
| 7 - Category: Right of Rescission |
| 1 - Category: State Consumer Protection |
| 1 - Category: Texas Home Equity |
| 126 - Category: TILA/RESPA Integrated Disclosure |
| **17 - Total Waived Conditions** |
| 11 - Credit Review Scope |
| 1 - Category: Assets |
| 1 - Category: Credit/Mtg History |
| 1 - Category: DTI |
| 1 - Category: Income/Employment |
| 4 - Category: LTV/CLTV |
| 3 - Category: Terms/Guidelines |
| 2 - Property Valuations Review Scope |
| 1 - Category: FEMA |
| 1 - Category: Property |
| 4 - Compliance Review Scope |
| 2 - Category: Ability to Repay/Qualified Mortgage |
| 2 - Category: TILA/RESPA Integrated Disclosure |

---

<br>©2026 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 99.8

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Client Name:** |  |
| &nbsp;&nbsp;**Client Project Name:** | &nbsp;&nbsp;**BRAVO 2026-NQMR1** |
| &nbsp;&nbsp;**Start - End Dates:** | &nbsp;&nbsp;**2/20/2016 - 6/14/2022** |
| &nbsp;&nbsp;**Deal Loan Count:** | &nbsp;&nbsp;**376** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| &nbsp;&nbsp;***Loans in Report:*** | &nbsp;&nbsp;*376* |
| &nbsp;&nbsp;***Loans with Conditions:*** | &nbsp;&nbsp;*262* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** | **Loan Status** |
| 779778 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D B | A | A D B | A | A | Credit | Legal Documents | Active | B | B | CRDLGL100 | Legal document incorrect or incomplete | No | Loan documents have Index of 12 Month XXX. Program Matrix states Index to be 6 Month XXX. | 02/22/2019 Lender response: XXX. recently changed the Index on the Investor X program to reflect the 1 year XXX as the new index. This change was inadvertently omitted from the new rate sheets. XXX is now in the process of updating the rate sheet to reflect the one-year XXX.02/22/2019 XXX reviewed lender response. Exception satisfied. | 02/22/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Current Fico at XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Primary borrower at current residences for 20 years. | Complete |
| 779778 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Subject value per appraisal is $XXX. An updated valuation must be within 10% of the value. 90% of $XXX. This does not support the value. | 02/22/2019 Lender response: Please see Desk Review (file "XXX")02/22/2019 XXX reviewed the Desk Review. Desk Review, dated XXX, provided has Review Value of $XXX. Exception remains.02/27/2019 Lender response: Please see BPO (file "XXX02/27/2019 XXX reviewed BPO. BPO is Standard BPO, Drive-By, dated XXXX. Exception satisfied. | 02/27/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Current Fico at XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Primary borrower at current residences for 20 years. | Complete |
| 779778 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D B | A | A D B | A | A | Property Valuations | Value | Satisfied | N/A | N/A B | PRVAVALU153 | Value Not Supported | No | AVM not supported variance -17.73%. Recommended BPO. | 11.18.19 BPO value supported | 11.18.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Current Fico at XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Primary borrower at current residences for 20 years. | Complete |
| 486730 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B A | B A | CMPTRID5051 | TRID - CD: Inconsistency between the amounts disclosed<br> for the Homeowners' Insurance premium in one or more<br> sections of the CD | No | Non numeric material errorCD XXX - Other Costs - Prepaids - 12 months homeowners insurance is disclosed as $786.57. Monthly hazard is disclosed as $299.67 x 12 = $3596.04. There is a difference of $2809.47. | 3.21.19 - Client responded: Line 1 of Section F of shows the remaining balance due on the existing homeowner's insurance policy. Please see homeowner's insurance bill showing the remaining balance ($785.57 including late charge) which is the amount shown on Line 1 Section F. Please see file "XXX".3.27.19 - Client responded: Client provided PCCD correcting Other costs section. | 3.27.19 - Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median score of 656 is 16 points higher than the required score of 640.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 32.07% DTI is 17.93% lower than the maximum DTI of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV is 10% lower than the maximum LTV of 80%. | Client Complete |
| 486730 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID3730 | TRID - Error #2 discovered on Closing Disclosure | No | Numeric Non Material ErrorCD XXX - Other Costs - Prepaids - 3 months property taxes collected disclosed as $6526.50. Monthly property taxes disclosed as $1192.17 x 3 = $3576.00. This is a difference of $2950.50. | 3.27.19 - Client responded: client provided PCCD dated XXX correcting other costs section. | 3.27.19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median score of 656 is 16 points higher than the required score of 640.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 32.07% DTI is 17.93% lower than the maximum DTI of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV is 10% lower than the maximum LTV of 80%. | Client Complete |
| 981559 | XXXXXX | XXXXXX | 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 | C A | CMPTRID5051 | TRID - CD: Inconsistency between the amounts disclosed for the Homeowners' Insurance premium in one or more sections of the CD | No | Numeric Non Material ErrorCD: XXX Other Costs, Message: Prepaids Homeowner Insurance Amount is disclosed as $137.17. 12 x $137.17 = 1646.04 not $411.56, difference is 1234.48 | 2.25.19 - Client responded: DISAGREE: As noted in your Exception information, this is a "non-material numeric error ". SFIG indicates that errors on the CD falling within sections 1026.38 (g)(1)-(6) merit an event level of only EV2. Therefore we request that you downgrade the Exception Grade from "C" to "B".2.25.19 - XXX response - Agree that at time of review exception was inadvertently left in "C" status. Changed to "B"Exception remains in "B" status3.21.19 - Client responded: Please see insurance invoice which shows that payment due is $138.16, plus a coverage change premium increase of $12.00 and Rate Change Premium Income of $268.00. This amount is reflected on Section F Line 1 of the Closing Disclosure. Please see file "XXX".3.21.19 - XXX response - TRID formatting requires number of months disclosed to equal the amount collected. Client resent CD XXX - Other costs section discloses 12 months of homeowners being collected as $411.56. The number of months is not correct based on the monthly amount of homeowners being disclosed as $137.17.Exception remains.3.27.19 - Client responded: Client provided PCCD dated XXX correcting other costs section. | 3.27.19 - Exception satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same field and profession XXX and has been involved in various businesses, current business Vizcaya & Vizcaya has been incorporated since 2014<br>CFCFS1745: Significant total monthly debt reduction<br> - XXX Comments: Paying off current mortgage and consumer credit; 0 debts other than mortgage after closing | Client Complete |
| 981559 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Credit | DTI | Satisfied | C A | C A | CRDDTI187 | Debt Ratio > 50% | No | Current DTI at 61.09 with max allowable at 50%. Calculation in submission file did not exclude transfers, return fees, etc. | 02/25/2019 Lender response: The Underwriter used the income from XXX transfers to qualify borrower, as the XXX payments were consistent over the 12 months of statements and the borrower is XXX. 12 months pers bank statements = $XXX + $XXX Social Security = $XXX per mo. Resulting DTI is 49.81%. Please see Underwriter's Bank Statement Worksheet (file "XXX").02/25/2019 XXX reviewed documentation. DTI 49.81%. Exception satisfied. | 02/25/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same field and profession XXX and has been involved in various businesses, current business Vizcaya & Vizcaya has been incorporated since 2014<br>CFCFS1745: Significant total monthly debt reduction<br> - XXX Comments: Paying off current mortgage and consumer credit; 0 debts other than mortgage after closing | Client Complete |
| 981559 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Residual income at $XXX. Required for the borrower minimum $XXX | 02/25/2019 The Underwriter used the income from XXX transfers to qualify borrower, as the XXX payments were consistent over the 12 months of statements and the borrower is XXX employed. 12 months pers bank statements = $XXX+ $XXX Social Security = $XXX per mo. Resulting DTI is 49.81%. Please see Underwriter's Bank Statement Worksheet and ATR Calculation Worksheet (file "XXX").02/25/2019 XXX reviewed documentation. Residual income $XXX. Exception satisfied. | 02/25/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same field and profession XXX and has been involved in various businesses, current business Vizcaya & Vizcaya has been incorporated since 2014<br>CFCFS1745: Significant total monthly debt reduction<br> - XXX Comments: Paying off current mortgage and consumer credit; 0 debts other than mortgage after closing | Client Complete |
| 745931 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | B | B C A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4282 | TRID - CD: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Non-Material Numeric Errors-LE dated XXX - Calculating Cash to Close- Down payment/ Funds from Borrower disclose an amount of $44,726. CD Dated XXX - Calculating Cash to close (LE side) - Down Payment funds from Borrower disclose an amount of $0.00 | 3.27.19 - Client provided PCCD dated XXX correcting Calculating Cash to Close section. | 3.27.19 - Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX Credit Score exceeds guidelines of minimum score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at current job for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have verified post- closing reserves of $XXX; per guidelines, $XXX is required for 6 months subject PITI | Client Complete |
| 745931 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | B | B C A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4283 | TRID - CD: The value for Deposit in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Non-Material Numeric Errors-LE XXX Calculating Cash to Close- Deposit section disclose an amount of -$2,000CD dated XXX - Calculating Cash to Close-Deposit (LE side) Section disclose an amount of $0.00 | 3.27.19 - Client provided PCCD dated XXX correcting Calculating Cash to Close section. | 3.27.19 - Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX Credit Score exceeds guidelines of minimum score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at current job for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have verified post- closing reserves of $XXX; per guidelines, $XXX is required for 6 months subject PITI | Client Complete |
| 745931 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | B | B C A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4299 | TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Non-Material Numeric ErrorsLE Dated XXX - Calculating Cash to Close- Total Closing Cost (J) section disclose an amount of $15,863 CD dated XXX - Calculating Cash to Close- Total Closing Cost (J) (LE side) section disclose an amount of $10,755.00 | 3.27.19 - Client provided PCCD dated XXX correcting Calculating Cash to Close section. | 3.27.19 - Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX Credit Score exceeds guidelines of minimum score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at current job for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have verified post- closing reserves of $XXX; per guidelines, $XXX is required for 6 months subject PITI | Client Complete |
| 745931 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | B | B C A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4309 | TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Non-Material Numeric Errors-LE Dated XXX - Calculating Cash to Close Estimated Cash to Close disclose an amount of $XXX.CD Dated XXX - Calculating Cash to Close (LE side) - Estimated Cash to Close Section disclose an amount of $XXX. | 3.27.19 - Client provided PCCD dated XXX correcting Calculating Cash to Close section. | 3.27.19 - Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX Credit Score exceeds guidelines of minimum score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at current job for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have verified post- closing reserves of $XXX; per guidelines, $XXX is required for 6 months subject PITI | Client Complete |
| 745931 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | B | B C A | B | B | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Payment shock exceeds guidelines maximum of 3X rental rate for First Time Home Buyer. Borrower's current rental is $XXX x 3 = $XXX. PITIA is $XXX, or 3.64 x rental of $XXX. | 03/05/2019 Lender response: XXX Guidelines dated 8/30/2018, page 87, states borrowers with payment shock may be considered for financing with 6 months reserves. Please see breakdown of reserves, bank statements, Final CD, and funds to close (file "XXX")03/05/2019 XXX reviewed lender response, and documentation provided. Guidelines Page 14 was reviewed. Exception satisfied. | 03/05/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX Credit Score exceeds guidelines of minimum score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at current job for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have verified post- closing reserves of $XXX; per guidelines, $XXX is required for 6 months subject PITI | Client Complete |
| 718824 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | A D B | B | A | Compliance | Borrower's Interest | Satisfied | B A | B A | CMPBI1595 | File does not contain a tangible net benefit worksheet | No | NTB missing from the file. | 3.21.19 - Client provided net tangible benefit worksheet | 3.21.19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on current job for 7.6 years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has worked in current profession for 26 years | Client Complete |
| 718824 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | A D B | B | A | Credit | Credit/Mtg History | Satisfied | B A | B A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | File is missing satisfactory mortgage rating for the past 12 months. Per borrower lienholder would only allow payments to be made in cash. Borrower business bank statement (XXX) shows the following cash withdrawals for the past 12 months (XXX) LOE from borrower states XXX mtg payment was made in cash and not withdrawn from his bank account. Bank statements do not support payee nor payment due or received date. Need satisfactory VOM or mortgage loan history to support payments to lienholder and confirm no late payment past 12 months. Note: Receipts for cash payments are generally not acceptable. | 04/01/2019 lender's response: This loan is a refinance of a recorded contract for deed. The contract dictates that the payments are $XXX per month. Since there is a withdrawal of the exact amount of the contract payment on a monthly basis, XXX determined that this would be sufficient evidence to establish mortgage history. Since we were able to document the mortgage history for 11 of 12 months, XXX determined that this represented at worst an A- grade, and thus graded the loan as an A-. | 04/01/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on current job for 7.6 years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has worked in current profession for 26 years | Client Complete |
| 718824 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | A D B | B | A | Credit | DTI | Satisfied | B A | B A | CRDDTI187 | Debt Ratio > 50% | No | DTI exceeds 50% max allowable at 50.50% | 03/05/2019 Lender response: The Underwriter averaged 24 months Business bank statements less estimated 10% expense factor = $XXX/per month. Debts are $XXX(XXX $XXX, XXX $XXX, XXX $XXX). PITIA $XXX. Resulting DTI is at 48.59%. See Bank Statement Calculation Worksheet (file "XXX")03/05/2019 XXX reviewed lender response, with documentation. Exception satisfied. | 03/05/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on current job for 7.6 years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has worked in current profession for 26 years | Client Complete |
| 718824 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | A D B | B | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR175 | Missing Review Appraisal required per guidelines | No | Missing updated valuation. Provide updated valuation supporting subject value of $XXX | 03/05/2019 Lender response: Please see Desk Review (file "XXX").03/05/2019 XXX reviewed lender response, with Desk Review, dated XXX, for $XXX Exception satisfied. | 03/05/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on current job for 7.6 years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has worked in current profession for 26 years | Client Complete |
| 284574 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3124 | Loan documents do not meet guideline requirements | No | 2017 & 2018 Profit & Loss statements to be signed by B1 and B2. | 02/25/2019 Lender response: Please see signed P&Ls (file "XXX")02/25/2019 XXX reviewed lender response, with documentation. Exception satisfied. | 02/25/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 36.7% DTI; Program Max is 43% DTI<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 30 yrs in profession<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 35.83% LTV; Program max is 80% LTV | Client Complete |
| 789210 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 743 qualifying score. Min required per guidelines is 725.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Credit report with a mortgage rating of 0x30x12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX, cash required from borrower is $0. Reserves remaining $XXX. | Complete |
| 701685 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | COC in file reflects LE dated XXX. | 6.7.19 Client provided LE dated XXX. | 6.7.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at the current job for 35 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 74% is below guideline requirements of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: ASSETS: $XXX post-closing reserves, 16.68 months total PITI reserves; 6 months PITI required.( | Client Complete |
| 701685 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID5115 | TRID - Closing Disclosure: The Creditors Brokers or Contact persons NMLS or State ID is missing | No | CD dated XXX Contact Information Section Broker missing Loan Officer/ Email or Phone. | 6.7.19 Client provided PCCD dated XXX. Error has been corrected. | 6.7.19 Exception satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at the current job for 35 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 74% is below guideline requirements of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: ASSETS: $XXX post-closing reserves, 16.68 months total PITI reserves; 6 months PITI required.( | Client Complete |
| 701685 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | 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 | CD dated XXX loan closed before end of waiting period (3 days not observed). | 6.7.19 Client provided CD dated XXX. | 6.7.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at the current job for 35 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 74% is below guideline requirements of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: ASSETS: $XXX post-closing reserves, 16.68 months total PITI reserves; 6 months PITI required.( | Client Complete |
| 701685 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Income/Employment | Satisfied | B A | B A | CRDINC2488 | Verbal verification of employment missing | No | Need internal VOE for XXX dated within 10 days of closing XXX. Other conditions may apply. | 6.7.19 Client submitted VVOE dated 5/29/19 | 6.7.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at the current job for 35 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 74% is below guideline requirements of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: ASSETS: $XXX post-closing reserves, 16.68 months total PITI reserves; 6 months PITI required.( | Client Complete |
| 851934 | XXXXXX | XXXXXX | 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 | Federal Consumer Protection | Satisfied | C A | C A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID | No | Loan Originator NMLS ID on Final 1003 does not match Loan Originator Name.Loan Originator NMLS ID on Note matches Loan Originator Name. | 7.5.19 Client submitted Note with Loan originator NMLS ID of XXX. Final 1003 Loan Originator NMLS is XXX.7.8.19 Client submitted Final 1003 with Loan originator NMLS ID as XXX. | 7.8.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV allowed per guidelines is 75%. Loan LTV is at 60%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total allowable assets = $XXX$XXX (Proposed PITIA) x 6 (months reserves required) = $XXX Required Reserves$XXX (allowable assets) minus $XXX (required reserves) = $XXX residual assets$XXX (Proposed PITIA) X 60 months = $XXX $XXX (residual assets) - $XXX (5yr PITIA) = $XXX residual assets$XXX (residual assets) - $XXX (loan amount) = $XXX sufficient funds<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of 680. Borrower has credit score of 773. | Client Complete |
| 851934 | XXXXXX | XXXXXX | 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 | B | B | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | CD's dated XXX Contact Information: section Broker missing LO and Phone and/or Email.Please provide the PCCD to satisfy the exception. | 7.5.19 Client provided CD dated XXX. Error has been corrected. | 7.5.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV allowed per guidelines is 75%. Loan LTV is at 60%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total allowable assets = $XXX$XXX (Proposed PITIA) x 6 (months reserves required) = $XXX Required Reserves$XXX (allowable assets) minus $XXX (required reserves) = $XXX residual assets$XXX (Proposed PITIA) X 60 months = $XXX $XXX (residual assets) - $XXX (5yr PITIA) = $XXX residual assets$XXX (residual assets) - $XXX (loan amount) = $XXX sufficient funds<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of 680. Borrower has credit score of 773. | Client Complete |
| 851934 | XXXXXX | XXXXXX | 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 | C B | CMPTRID3772 | TRID - Error #10 discovered on Loan Estimate | No | LE dated XXX Contact Information: section Broker missing LO.Please provide the PCCD to satisfy the exception. | 7.5.19 Client provided CD dated XXX. Error has been corrected. | 7.5.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV allowed per guidelines is 75%. Loan LTV is at 60%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total allowable assets = $XXX$XXX (Proposed PITIA) x 6 (months reserves required) = $XXX Required Reserves$XXX (allowable assets) minus $XXX (required reserves) = $XXX residual assets$XXX (Proposed PITIA) X 60 months = $XXX $XXX (residual assets) - $XXX (5yr PITIA) = $XXX residual assets$XXX (residual assets) - $XXX (loan amount) = $XXX sufficient funds<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of 680. Borrower has credit score of 773. | Client Complete |
| 851934 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Lender's UW Approval form. | 7.5.19 Client submitted lender's UW approval. | 7.5.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV allowed per guidelines is 75%. Loan LTV is at 60%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total allowable assets = $XXX$XXX (Proposed PITIA) x 6 (months reserves required) = $XXX Required Reserves$XXX (allowable assets) minus $XXX (required reserves) = $XXX residual assets$XXX (Proposed PITIA) X 60 months = $XXX $XXX (residual assets) - $XXX (5yr PITIA) = $XXX residual assets$XXX (residual assets) - $XXX (loan amount) = $XXX sufficient funds<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of 680. Borrower has credit score of 773. | Client Complete |
| 221692 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Certificate of Business Purpose with reason for cash out (investment property). Form in file is signed but missing reason. Other conditions may apply. | 6.18.19 Client submitted completed Certificate of Business Purpose with reason for cashout. | 6.18.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: ASSETS: $XXX post-closing reserves, 35.88 months PITI reserves; 0 months PITI required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV allowed per guidelines is 70%. Loan LTV is at 65%. | Client Complete |
| 967812 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | COC in file reflects LE dated XXX was issued. Missing LE dated XXX. | 7.16.19 Client provided Le dated XXX. | 7.16.9 exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the job for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 52.22% below guideline requirements of 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 17.18% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. : $XXX post-closing reserves, 51.80 months PITI reserves (XXX+XXX+XXX=$XXX); 6 months PITI required. | Client Complete |
| 967812 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID3776 | TRID - LE or CD does not meet TRID requirements | No | CDs dated XXX Contact Information Section missing Lender LO NMLS.Please provide the PCCD to satisfy the exception. | 7.16.19 Client provided CD dated XXX. Error has not been corrected.7.17.19 Client provided CD dated XXX. Error has been corrected. | 7.16.19 Exception remains.7.17.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the job for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 52.22% below guideline requirements of 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 17.18% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. : $XXX post-closing reserves, 51.80 months PITI reserves (XXX+XXX+XXX=$XXX); 6 months PITI required. | Client Complete |
| 967812 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4299 | TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | LE XXX Section: Calculating Cash to Close - Total Closing Costs (J) is $46,484. CD XXX Section: Calculating Cash to Close - Total Closing Costs (J) for the LE is $43,484. | 7.16.19 Client provided CD dated XXX. Error has been corrected. | 7.16.19 Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the job for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 52.22% below guideline requirements of 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 17.18% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. : $XXX post-closing reserves, 51.80 months PITI reserves (XXX+XXX+XXX=$XXX); 6 months PITI required. | Client Complete |
| 967812 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4309 | TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | LE XXX Section: Calculating Cash to Close - Estimated Cash to Close is $10,009.CD XXX Section: Calculating Cash to Close - Cash to Close (LE) is $7,009. | 7.16.19 Client provided CD dated XXX. Error has been corrected. | 7.16.19 Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the job for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 52.22% below guideline requirements of 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 17.18% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. : $XXX post-closing reserves, 51.80 months PITI reserves (XXX+XXX+XXX=$XXX); 6 months PITI required. | Client Complete |
| 967812 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Income/Employment | Waived | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Bank statements have more than 3 NSF/ODS for qualifying income for bank statement program. | 7.15.19 Client submitted exception for NSF/OD's. | 7.15.19 Exception is non-material B. Upon further review by Sr. UW, B1 <br> has cash reserves exceed guidelines, has significant time at current job, <br> LTV is below guidelines, DTI is below guidelines. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the job for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 52.22% below guideline requirements of 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 17.18% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. : $XXX post-closing reserves, 51.80 months PITI reserves (XXX+XXX+XXX=$XXX); 6 months PITI required. | Client Complete |
| 214007 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4282 | TRID - CD: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | LE XXX Section: Calculating Cash to Close - Down Payment/Funds from Borrower is $XXX. CDs XXX Section: Calculating Cash to Close - Down Payment/Funds from Borrower (LE) is $XXX. | 7.16.19 Client provided LE dated XXX, CD dated XXX and LOE stating LE and CD figures match. Error has not been corrected.7.19.19 Client provided CD dated XXX. Error has been corrected. | 7.16.19 Exception remains.7.19.19 Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 11.75 months PITI reserves (XXX+XXX+XXX=XXX); 3 months PITI required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 16.14% is below guideline requirement of 50%. | Client Complete |
| 214007 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4284 | TRID - CD: The value for Seller Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | LE XXX Section: Calculating Cash to Close Seller Credits is $17,958. CDs XXX and XXX Section: Calculating Cash to Close - Down Payment/Funds from Borrower (LE) is $0. | 7.16.19 Client provided LE dated XXX and LOE stating LE and CD figures match. Error has not been corrected. 7.19.19 Client provided CD dated XXX. Error has been corrected. | 7.16.19 Exception remains.7.19.19 Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 11.75 months PITI reserves (XXX+XXX+XXX=XXX); 3 months PITI required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 16.14% is below guideline requirement of 50%. | Client Complete |
| 214007 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4299 | TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | LE XXX Section: Calculating Cash to Close - Total Closing Costs (J) is $41,296. CDs XXX Section: Calculating Cash to Close - Total Closing Costs (J) for the LE is $31,888. | 7.16.19 Client provided LE dated XXX and LOE stating LE and CD figures match. Error has not been corrected. 7.19.19 Client provided CD dated XXX. Error has been corrected. | 7.16.19 Exception remains.7.19.19 Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 11.75 months PITI reserves (XXX+XXX+XXX=XXX); 3 months PITI required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 16.14% is below guideline requirement of 50%. | Client Complete |
| 214007 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4309 | TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | LE XXX Section: Calculating Cash to Close - Estimated Cash to Close is $83,358.CDs XXX Section: Calculating Cash to Close - Cash to Close (LE) is $31,888. | 7.16.19 Client provided LE dated XXX LE and CD figures match. Error has not been corrected. 7.19.19 Client provided CD dated XXX. Error has been corrected. | 7.16.19 Exception remains.7.19.19 Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 11.75 months PITI reserves (XXX+XXX+XXX=XXX); 3 months PITI required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 16.14% is below guideline requirement of 50%. | Client Complete |
| 214007 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4311 | TRID - CD: The value for Adjustments and Other Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | LE XXX Section: Calculating Cash to Close Adjustments and Other Credits is $158. CDs XXX Section: Calculating Cash to Close - Adjustments and Other Credits (LE) is $0. | 7.16.19 Client provided LE dated XXX, CD dated XXX and LOE stating LE and CD figures match. Error has not been corrected. 7.19.19 Client provided CD dated XXX. Error has been corrected. | 7.16.19 Exception remains.7.19.19 Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 11.75 months PITI reserves (XXX+XXX+XXX=XXX); 3 months PITI required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 16.14% is below guideline requirement of 50%. | Client Complete |
| 214007 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID5115 | TRID - Closing Disclosure: The Creditors Brokers or Contact persons NMLS or State ID is missing | No | CD's dated XXX Contact Information: section Lender missing NMLS.Corrected by PCCD dated XXX. Exception satisfied. | (No Data) | Exception satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 11.75 months PITI reserves (XXX+XXX+XXX=XXX); 3 months PITI required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 16.14% is below guideline requirement of 50%. | Client Complete |
| 214007 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Credit | LTV/CLTV | Waived | B | B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV Exceeds Guideline Requirement by less than 5% | 7.11.19 Client submitted exception for additional 5% LTV. | 7.11.19 Exception is non-material B. Upon review by Sr. UW, B1 has verified cash reserves that exceeds guidelines, has significant time at current residence and DTI is below guidelines. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 11.75 months PITI reserves (XXX+XXX+XXX=XXX); 3 months PITI required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 16.14% is below guideline requirement of 50%. | Client Complete |
| 214007 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's loan approval/underwriting form. Other conditions may apply. | 7.12.19 Client submitted lender's loan approval/underwriting form. | 7.12.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 11.75 months PITI reserves (XXX+XXX+XXX=XXX); 3 months PITI required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 16.14% is below guideline requirement of 50%. | Client Complete |
| 583667 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Legal Documents | Satisfied | B A | B A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Estimated HUD-1 in File, Missing Final HUD-1 | 7.19.19 Client submitted Final HUD1 dated XXX. | 7.19.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX post-closing reserves, 50.64 months PITI reserves; 3 months PITI required<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has 10 years as XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: B1 has XXX years at primary residence | Client Complete |
| 583667 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's loan approval/underwriting form | 7.19.19 Client submitted lender's loan approval/underwriting form. | 7.19.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX post-closing reserves, 50.64 months PITI reserves; 3 months PITI required<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has 10 years as XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: B1 has XXX years at primary residence | Client Complete |
| 334125 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Final 1003. Other conditions may apply. | 7.10.19 Client submitted Final 1003. | 7.10.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at their current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 24.11 months PITI reserves (XXX+XXX+XXX=$XXX); 0 months PITI required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 764 exceeds guidelines 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 35.954% below guideline requirements 75% | Client Complete |
| 505116 | XXXXXX | XXXXXX | 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 | B | B | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | COC reflects LE dated XXX was issued. Missing LE dated XXX. | 7.18.19 Client provided LOE & CD dated XXX. | 7.18.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX post-closing reserves, 13.05 months PITI reserves; 6 months PITI required due to no housing history within last 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has 13 years with current employment | Client Complete |
| 505116 | XXXXXX | XXXXXX | 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 | B | B | CMPTRID3776 | TRID - LE or CD does not meet TRID requirements | No | CD's dated XXX Other Costs section H- line 04 identifies a value but who the fee is payable to is missing. | 7.18.19 Client provided CD dated XXX. Error has been corrected. | 7.18.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX post-closing reserves, 13.05 months PITI reserves; 6 months PITI required due to no housing history within last 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has 13 years with current employment | Client Complete |
| 505116 | XXXXXX | XXXXXX | 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 | C B | CMPTRID3884 | TRID - Error #12 discovered on Closing Disclosure | No | CD's dated XXX Contact Information Section Lender missing LO NMLS. Please provide the PCCD to satisfy the exception. | 7.18.19 Client provided CD dated XXX. Error has been corrected. | 7.18.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX post-closing reserves, 13.05 months PITI reserves; 6 months PITI required due to no housing history within last 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has 13 years with current employment | Client Complete |
| 505116 | XXXXXX | XXXXXX | 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 | Application | Satisfied | B A | B A | CRDAPP130 | Application is incomplete | No | Missing updated 1008 Transmittal Summary and Final 1003 signed by B1, B2 and LO. Final 1003 to include B1 $14,600/month, B2 $4,416.66/month and HOI $59.75/month. Other conditions may apply. | 7.18.19 Client submitted Final 1003 signed by B1/B2 and LO with updated income and HOI. However, missing updated final 1008.7.19.19 Client submitted final 1008 to match previous Final 1003. | 7.18.19 Exception remains.7.19.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX post-closing reserves, 13.05 months PITI reserves; 6 months PITI required due to no housing history within last 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has 13 years with current employment | Client Complete |
| 615265 | XXXXXX | XXXXXX | 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 | B | B | CMPTRID3776 | TRID - LE or CD does not meet TRID requirements | No | The following fees were disclosed on the Seller's CD however not on the Borrower's CD:XXX City Report-Upfront Fee (Reimbursement) $72.76Home Protection Policy $485Notary Signing Service $60Retrofitting $100 | 7.19.19 Client provided LOE stating they do not put seller fees on the final CD. Per TRID guidelines Seller fees belonging in section H(on the Seller CD are required to be disclosed on the Borrower's last CD in file. Error has not been corrected.7.22.19 Client provided CD dated XXX Error has been corrected. | 7.19.19 Exception remains.7.22.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 75% is below guideline requirements of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 765 exceeds guidelines 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 148.64 months PITI reserves (XXX+XXX+XXX= $XXX); 4 months PITI required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 38.41% below guideline requirement of 50%. | Client Complete |
| 615265 | XXXXXX | XXXXXX | 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 | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD dated XXX Contact Information Section Lender missing LO NMLS. Please provide the PCCD to satisfy the exception. | 7.19.19 Client provided CD dated XXX Error has been corrected. | 7.19.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 75% is below guideline requirements of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 765 exceeds guidelines 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 148.64 months PITI reserves (XXX+XXX+XXX= $XXX); 4 months PITI required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 38.41% below guideline requirement of 50%. | Client Complete |
| 615265 | XXXXXX | XXXXXX | 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 A | 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 | Initial CD issued XXX with a closing date of XXX. Loan closed before end of waiting period (3 days not observed). | 7.19.19 Client provided CD dated XXX Error has been corrected. | 7.19.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 75% is below guideline requirements of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 765 exceeds guidelines 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 148.64 months PITI reserves (XXX+XXX+XXX= $XXX); 4 months PITI required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 38.41% below guideline requirement of 50%. | Client Complete |
| 615265 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Insurance | Satisfied | D A | D A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Insurance with acceptable coverage and deductible, paid receipt and loan number. Other conditions may apply. | 7.19.19 Client submitted HOI policy. | 7.19.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 75% is below guideline requirements of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 765 exceeds guidelines 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines. $XXX post-closing reserves, 148.64 months PITI reserves (XXX+XXX+XXX= $XXX); 4 months PITI required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 38.41% below guideline requirement of 50%. | Client Complete |
| 827482 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 06.28.19 Updated value received, appraised value supported. | 06.28.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 37.96% is below the max DTI of 49%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO of 786 exceeds the minimum FICO of 650<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 52.42% is below the max LTV of 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Reserves:$XXX or 165.36 mos p&i Guideline Required Reserves:$XXX or 6 mos p&i | Client Complete |
| 132277 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | C | A D B | C | A | Compliance | Documentation | Satisfied | C A | C A | CMPDOC3076 | Legal document was not executed or is incomplete | No | The margin listed on the Note and ARM Rider is 6.0%. Per guidelines the margin to be used is 3.5%. | 10/8/19: Per newly received guidelines for Foreign Nationals the 6% margin is accurate. | 10/8/19: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX total reserves verified. $XXX X 12 months PITI = $XXX reserves required<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX as an XXX for 10 years. | Complete |
| 132277 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | C | A D B | C | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | # of Tradelines on Credit Report in file is only REO Mortgage reviewed for 7 months. Guides require minimum of 3 tradelines established for at least 12 months. | 10/9/19: Lender provided 1 tradeline account 1 credit reference letters from XXX; 1 additional credit reference or tradeline is required | 10/9/19: Exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX total reserves verified. $XXX X 12 months PITI = $XXX reserves required<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX as an XXX for 10 years. | Complete |
| 132277 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | C | A D B | C | A | Credit | Credit/Mtg History | Satisfied | D A | D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing 12 month VOM/payment history for property located at XXX with XXX Bank. | 10/9/19: Lender rebuttal: The QB loan would not have a 12 payment history, since the loan was taken on 10/18. See attached - the payment history from 10/18 to 12/03/2018 - the loan was paid in full. Lender provided credit supplement showing payment history from 3/2018-10/2018 and loan statement history showing 10/2018-12/2018 and loan paid in full with balance of $0 | 10/9/19: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX total reserves verified. $XXX X 12 months PITI = $XXX reserves required<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX as an XXX for 10 years. | Complete |
| 132277 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | C | A D B | C | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing 1003 and credit report using borrowers work authorization SSN and not XXX to ensure all debts captured in DTI. | 10/9/19: Lender provided 1003 and documentation supporting that loan is a foreign national loan; still missing 1 additional credit reference as required per guidelines. Fired under additional exception. | 10/9/19: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX total reserves verified. $XXX X 12 months PITI = $XXX reserves required<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX as an XXX for 10 years. | Complete |
| 800715 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value of $XXX. | 10/25/19: Received desk review with value of $XXX in line with appraised value. | 10/25/19: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Guidelines allow for a maximum LTV of 70%. The final LTV is 48.16% which is 21.84% below the maximum LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require a minimum credit score of 680. Final credit score of 696 which is 16 points over the required minimum | Complete |
| 707558 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | RESPA | Active | B | B | CMPRESPA2704 | RESPA - List of homeowners counseling organizations not compliant | No | Homeowners Counseling disclosure present however list of at least 10 counselors is missing | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 778 qualifying score. Min required per guidelines is 700. | Complete |
| 707558 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No | Missing 1st month rent check for $XXX for XXX, NY. Per guide 1st month rent check must be deposited to borrower's checking/saving account to be able use income. Borrower must provide bank statement to show rent deposit. | 10/8/19: Lender provided lease agreement for previous term 4/1/2018-3/31/2019 showing as rented to current tenant, no changes. | 10/8/19: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 778 qualifying score. Min required per guidelines is 700. | Complete |
| 707558 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing Property valuation to support original appraised value of $XXX. | 10/25/19: Received desk review with value of $XXX in line with appraised value. | 10/25/19: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 778 qualifying score. Min required per guidelines is 700. | Complete |
| 287141 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value. | 10/25/19: Received desk review with value of $XXX in line with appraised value. | 10/25/19: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves after closing $XXX. $XXX total required reserves.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Borrower has over 5 years with current employer.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has 0x30 mortgage histories since 1/2015. | Complete |
| 770717 | XXXXXX | XXXXXX | 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: 728 Fico exceeds 620 mid score.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 13 years at current job.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit has been paid 0x30x73. | Complete |
| 230576 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: The borrower has excellent credit<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has $XXX in cash back reserves. | Complete |
| 931477 | XXXXXX | XXXXXX | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The DTI is 16.65% which is well below the GL maximum allowable of 50%.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been in his profession for over 10 years. | Complete |
| 441849 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3124 | Loan documents do not meet guideline requirements | No | Need current leases for all rental properties located at Subject and XXX with rent increase addendums signed by tenant and borrower. Leases in file are between 8-10 years old and only have 1 addendum for each unit from last year sand signed only by the landlord. | 6.21.19 - Received Explanation - Does not supportLeases in file for subject are 7-13 years old for subject and initial rents range from $XXX - $XXX Rent Increase Addendums in file all completed 11/2018 range from $XXX- $XXX totaling $XXX this is $XXX above market rents of $XXX per Appraisal in fileThe Rent Increase Addendums do not coincide with Lease renewals datesThere are no interim Rent Increase Addendums in file supporting the gradual increase over timeProvide the Addendums with Tenants and Borrower's signature or Canceled checks supporting rents received.6.24.19 - Received updated 1003 & 1008 excluding Rental income from XXX of $XXX for subject per the Appraisal in file. | 6.21.19 Exception is not satisfied6.24.19 Exception Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Borrower XXX for the past 25 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower's LTV is 57.02%; Max is 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower's representative score is XXX | Client Complete |
| 441849 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 06.20.19 Updated value received, appraised value supported. | 06.20.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Borrower XXX for the past 25 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower's LTV is 57.02%; Max is 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower's representative score is XXX | Client Complete |
| 179086 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing updated 1008 and Approval reflecting appraisal amount of XXX and LTV of 61.10%. | 7.1.19 - Received Updated 1008 and Loan Approval | 7.1.19 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 61.10%; Max is 80% with a XXX credit score per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX per guidelines with a 61.10% LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Verified reserves of $XXX or 41.96 months PITI; 3 months (3 \* $XXX = $XXX) required per guidelines. | Client Complete |
| 399793 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section F. Prepaids: Homeowner's Insurance Premium (line 01) is missing number of months being paid. | 6.19.19 Received PCCD from client. | 6.19.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 775 credit score exceeds minimum of 700 with an LTV of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 25.18%; Max is 49%. | Client Complete |
| 557883 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Assets | Active | B | B | CRDAST115 | Cash reserves do not meet guidelines | No | Required Reserves:$XXX or 6 mos. Verified Assets in file $XXX or 5.90 mos. Short cash reserves by $XXX. | (No Data) | 6.17.19 After review by Sr. UW exception is deemed non-material due to low DTI of 37.54%, Fico of 717, and 10 years at primary residence. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: ltv of 63.08% is below the max ltv of 70%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: dti of 37.54% is below the max dti of 49%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 717 exceeds the minimum fico of 650 | Client Complete |
| 557883 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 06.17.19 Updated value received, appraised value supported. | 06.17.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: ltv of 63.08% is below the max ltv of 70%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: dti of 37.54% is below the max dti of 49%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 717 exceeds the minimum fico of 650 | Client Complete |
| 300060 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 06.27.19 Updated value received, appraised value supported. | 06.27.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for 30 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: borrower has resided at current residence for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 766 exceeds the minimum fico of 650<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: ltv of 32.22% is below the max ltv of 70% | Client Complete |
| 283917 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section E. Taxes and Other Govt. Fees: Recording Fee of $333.00 is missing itemization for Deed/Mortgage. | 6/24/19 Lender provided corrected PCCD XXX | 6/24/19 Exception satisfied | Hybrid | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 67.79%; Max is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 740 credit score exceeds minimum of 660 with a 67.79%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 37.49%; Max is 49%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Borrower is required to have 6 months P&I reserves (6 \* $XXX = $XXX). B1 has a total of $XXX or 12.64 months P & I. | Client Complete |
| 283917 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 06.25.19 Updated value received, appraised value supported. | 06.25.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 67.79%; Max is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 740 credit score exceeds minimum of 660 with a 67.79%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 37.49%; Max is 49%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Borrower is required to have 6 months P&I reserves (6 \* $XXX = $XXX). B1 has a total of $XXX or 12.64 months P & I. | Client Complete |
| 126052 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 06.18.19 Updated value received does not support the appraise value. Field review recommended. | 06.18.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70%; Max is 80% with a 712 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 712 credit score exceeds minimum of 660 with a 70% LTV.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 39%; Max is 49%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Borrower is required to have 6 months P&I reserves (6 \* $XXX = $XXX). B1 has a total of $XXX or 27.48 months P & I. | Client Complete |
| 126052 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied | N/A | N/A B | PRVAVALU153 | Value Not Supported | No | Updated value received does not support the appraise value. Field review recommended. | 06.24.2019 - Lender provided revised appraisal and updated 1008 with a lower appraisal value. XXX ordered desk review for revised appraisal. 06.28.19 Updated value received does not support the appraise value. Field review recommended. 07.08.19 Updated value received does not support the appraise value. Field review recommended. 07.12.2019 - Lender provided field review which supports the appraisal value. | 07.08.19 Exception Remains. 07.12.2019 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70%; Max is 80% with a 712 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 712 credit score exceeds minimum of 660 with a 70% LTV.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 39%; Max is 49%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Borrower is required to have 6 months P&I reserves (6 \* $XXX = $XXX). B1 has a total of $XXX or 27.48 months P & I. | Client Complete |
| 255159 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 06.24.19 Updated value received, appraised value supported. | 06.24.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 35.18% is below the max LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO of 749 exceeds the minimum FICO of 650<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for 3 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 32.24%; Max is 49%. | Client Complete |
| 876991 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 07.08.19 Updated value received, appraised value supported. | 07.08.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 56.68%; Max is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 736 credit score exceeds minimum of 690.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 35.31%; Max is 49%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Borrower is required to have 6 months P&I reserves (6 \* $XXX = $XXX). B1 has a total of $XXXor 39.73 months P & I. | Client Complete |
| 831861 | XXXXXX | XXXXXX | 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: fico of 752 exceeds the minimum fico of 680<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: dti of 29.58% is below the max dti of 49%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for 18 years | Client Complete |
| 366055 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section E. Taxes and Other Govt. Fees: Recording Fee of $125.00 is missing itemization for Deed/Mortgage. | 6.27.19 Received PCCD from client. | 6.27.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has excess assets in the amount of $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score per guidelines is 700. Borrower's qualifying score I 746.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at same residence for XXX years. | Client Complete |
| 831044 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX- Other Costs, Section E. Taxes and Other Govt. Fees: Recording Fee of $200.00 is missing itemization for Deed/Mortgage. | 6.25.19 Received PCCD from client. | 6.25.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO of 772 exceeds the minimum FICO of 700<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 38.73% is below the max DTI of 49%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for 7 years | Client Complete |
| 433257 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV allowed per guidelines is 80%. Loan LTV is at 71.21%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 61.80 months of PITI. Only requires 3 months [$XXX x 3 = $XXX]. Additional 1 months reserves required for REO XXX due to less than 12 months mortgage payment history reported in file or $XXX. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 0x30 mortgage history prior 26 months per credit report; 12 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 804 credit score exceeds minimum of 640 with a 71.21% LTV per guidelines. | Client Complete |
| 298170 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | 06/13/2019 - Other Costs, Section H. Other: Home Warranty Fee & Natural Hazard Disclosure Report Fee have "TBD" listed as payee. | 6.21.19 Received PCCD from client | 6.21.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 724 credit score exceeds minimum of 700 with an 80% LTV.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 34.08%; Max is 49%. | Client Complete |
| 124547 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section E. Taxes and Other Govt. Fees: Recording Fee of $150.00 is missing itemization for Deed/Mortgage. | 7.11.19 Received PCCD from client. | 7.11.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score is 680. Borrower's qualifying score is 758.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV is 80%. Actual LTV is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 35.73%; Max is 49%. | Client Complete |
| 124547 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 07.08.19 Updated value received, appraised value supported. | 07.08.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score is 680. Borrower's qualifying score is 758.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV is 80%. Actual LTV is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 35.73%; Max is 49%. | Client Complete |
| 157605 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO of 733 exceeds the minimum FICO of 700<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Reserves:$XXX or 48.88 months P&I Guidelines Required Reserves:$XXX or 12 months P&I. | Client Complete |
| 594577 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | State Consumer Protection | Active | B | B | CMPSTCP2129 | MD Counseling Notice not in file | No | MD Counseling Notice not in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70%; Max is 80% with a 719 credit score per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 719 credit score exceeds minimum of 660 with a 70% LTV per guidelines. | Client Complete |
| 594577 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Loan Disclosures - Escrow Account: Non-Escrowed Property Costs over Year 1 - There is a value of $1,474.20 entered without a description of fee. Prior CDs show as Association Dues. | 7/1/2019 Received PCCD from client. | 7.1.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70%; Max is 80% with a 719 credit score per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 719 credit score exceeds minimum of 660 with a 70% LTV per guidelines. | Client Complete |
| 594577 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 07.02.19 Updated value received, appraised value supported. | 07.02.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70%; Max is 80% with a 719 credit score per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 719 credit score exceeds minimum of 660 with a 70% LTV per guidelines. | Client Complete |
| 389643 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section E. Taxes and Other Govt. Fees: Recording Fee of $125.00 is missing itemization for Deed/Mortgage. | 7.5.19 Received PCCD from client. | 7.5.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Reserves$XXX or 34.26 months P&I .Guidelines Required Reserves:$ XXX or 12 months P&I.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 34% is below the max DTI of 49%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO of 804 exceeds the minimum FICO of 700 | Client Complete |
| 389643 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Non-numerical error: The seller CD is not on file. | 7.5.19 Received PCCD from client. | 7.5.19 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Reserves$XXX or 34.26 months P&I .Guidelines Required Reserves:$ XXX or 12 months P&I.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 34% is below the max DTI of 49%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO of 804 exceeds the minimum FICO of 700 | Client Complete |
| 285449 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section E. Taxes and Other Govt. Fees: Recording Fee of $457.00 is missing itemization for Deed/Mortgage. | 6.19.19 Received PCCD from client. | 6.19.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 69.31% LTV is less than required of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 710 credit score exceeds minimum of 660 per guidelines. | Client Complete |
| 285449 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 06.18.19 Updated value received, appraised value supported. | 06.18.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 69.31% LTV is less than required of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 710 credit score exceeds minimum of 660 per guidelines. | Client Complete |
| 785520 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section E. Taxes and Other Govt. Fees: Recording Fee of $134.00 is missing itemization for Deed/Mortgage. | 6.25.19 Received PCCD from client. | 6.25.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score per guidelines is 660. Borrowers' qualifying score is 760.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV per guidelines is 70%. Maximum LTV per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have excess assets in the amount of $XXX. | Client Complete |
| 494394 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | Please be advised that valuation provided by client is for another property06.20.19 Updated value received, appraised value supported. | 06.20.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: ltv of 55.38% is below the max ltv of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 691 exceeds the minimum fico of 640 | Client Complete |
| 475193 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FCIO of 752 exceeds the minimum FICO of 680<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Reserves:$XXX or 61.49 mos p&i Guidelines Required Reserves:$XXX or 12 mos p&i<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 41.37%; Max is 49%. | Client Complete |
| 391657 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 06.18.19 Updated value received, appraised value supported. | 06.18.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 720 exceeds the minimum fico of 640<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: ltv of 37.63% is below the max ltv of 80% | Client Complete |
| 782418 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | Real Estate Commission for borrower does not appear on the borrower's final CD XXX. This is required for a purchase. | (No Data) | Condition is satisfied, as the fee appears on the Seller CD. | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 758 exceeds the minimum fico of 680<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for 6 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: ltv of 75% us below the max ltv of 80% | Client Complete |
| 782418 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID5057 | TRID - CD: Inconsistency between the amounts disclosed for the components of the escrow amount in Other Costs and the total escrow amount disclosed in Loan Disclosures | No | CD XXX - Other Costs, Section E. Taxes and Other Govt. Fees: Recording Fee of $175.00 is missing itemization for Deed/Mortgage. | 6.28.19 Received PCCD from client. | 6.28.19 Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 758 exceeds the minimum fico of 680<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for 6 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: ltv of 75% us below the max ltv of 80% | Client Complete |
| 782418 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 06.26.19 Updated value received, appraised value supported. | 06.26.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 758 exceeds the minimum fico of 680<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for 6 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: ltv of 75% us below the max ltv of 80% | Client Complete |
| 110075 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 718 exceeds the minimum fico of 680<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: borrower has resided in current residence for XXX years | Client Complete |
| 246392 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section E. Taxes and Other Govt. Fees: Recording Fee of $127.00 is missing itemization for Deed/Mortgage. | 6.25.19 Received PCCD from client. | 6.25.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 746 credit score exceeds minimum of 640 for a purchase per ITIN guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 26.51%; Max is 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Verified reserves of $XXX or 6.74 months PITI; 3 months (3 \* $XXX = $XXX) required per guidelines. | Client Complete |
| 246392 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Missing Page 3 of Mortgage. | 6.27.19 Received all pages of mortgage. | 6.27.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 746 credit score exceeds minimum of 640 for a purchase per ITIN guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 26.51%; Max is 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Verified reserves of $XXX or 6.74 months PITI; 3 months (3 \* $XXX = $XXX) required per guidelines. | Client Complete |
| 246392 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 06.25.19 Updated value received, appraised value supported. | 06.25.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 746 credit score exceeds minimum of 640 for a purchase per ITIN guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 26.51%; Max is 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Verified reserves of $XXX or 6.74 months PITI; 3 months (3 \* $XXX = $XXX) required per guidelines. | Client Complete |
| 651478 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | C | A C | C | A | Compliance | Documentation | Satisfied | C A | C A | CMPDOC199 | Discrepancy between Note and ARM Rider | No | Note/ARM rider document states 10 year I/O, dates on documents show as 7/1. | 5/27/20 - Lender provided correct copy of the Note/Rider. | 5/27/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Mortgage history is 0x30x39<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 794.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in same profession for 40 years. | Complete |
| 651478 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | C | A C | C | A | Compliance | RESPA | Satisfied | C A | C A | CMPRESPA3008 | RESPA - HUD1 Settlement Statement not completed in Accordance with RESPA requirements | No | Missing final executed HUD-1 settlement statement. | 5/27/20 - Lender provided a copy of the executed final HUD1. | 5/27/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Mortgage history is 0x30x39<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 794.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in same profession for 40 years. | Complete |
| 236055 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file and is needed in order to complete fee entries. | 4/28/20 - Lender provided the Final Settlement statement reflecting seller fees. | 4/28/20 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower's Post Close Assets are $XXX or 11.42 months of PITI. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has representative score of 793.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Borrower's DTI is 11.66% /18.16%. | Complete |
| 236055 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Borrower has no housing payment history; lives rent free with family. Lender approved exception. | 4/28/20 - Lender provided Loan Exception Request for the Mortgage/Rental History Exception. | 4/28/20 - Upon further review by Senior Underwriter, the Mortgage/Rental History exception is deemed non-material. Due to the borrower's reserves, FICO score of 793, DTI under 20% and Residual income of over $40,000. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower's Post Close Assets are $XXX or 11.42 months of PITI. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has representative score of 793.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Borrower's DTI is 11.66% /18.16%. | Complete |
| 236055 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 90% LTV exceeds maximum of 85%. Lender approved exception | 4/28/20 - Lender provided Loan Exception Request for the LTV Exception | 4/28/20 - Upon further review by Senior Underwriter, the LTV Exception is deemed non-material. Due to the borrower's reserves, FICO score of 793, DTI under 20% and Residual income of over $40,000. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower's Post Close Assets are $XXX or 11.42 months of PITI. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has representative score of 793.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Borrower's DTI is 11.66% /18.16%. | Complete |
| 513003 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A B | B | A | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2704 | RESPA - List of homeowners counseling organizations not compliant | No | Acknowledgement of Receipt of HCO List is in the file; however, the actual list is missing. | 9.11.20 - Lender provided List of homeowners counseling 10 organizations | 9.11.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) | Complete |
| 166097 | XXXXXX | XXXXXX | 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 | Federal Consumer Protection | Active | B | B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | Per documents Loan Originator is XXX; NMLS site shows name as XXX with no variations. Although not an exact match can tie names together. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 712 qualifying score. Min required per guidelines is 680.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower is XXX for 32 years. | Client Complete |
| 166097 | XXXXXX | XXXXXX | 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 | 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 | $20 refund due to Credit Supplement fee added at or prior to closing without a valid reason, Missing COC for added $20 credit supplement fee or need Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 10.15.19 - LOX, PCCD, copy of refund and delivery. | 10.15.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 712 qualifying score. Min required per guidelines is 680.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower is XXX for 32 years. | Client Complete |
| 166097 | XXXXXX | XXXXXX | 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 | Assets | Active | B | B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing 2nd consecutive month XXX acct #XXX. | 10/7/19 - After further review statement shows no online activity within past year.Exception considered non-material. | 10/8/19 - Exception remains non-material | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 712 qualifying score. Min required per guidelines is 680.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower is XXX for 32 years. | Client Complete |
| 166097 | XXXXXX | XXXXXX | 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 | Assets | Active | C B | C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | $XXX reserves shortfall. Per guidelines, 6 months PITI for subject (6 mo PITI x XXX x 6= $XXX) File contains only $XXX post closing reserves. (Unable to use XXX 10 or 20 as the Policy Value- Net cash surrender value was not provided.) | 10/17/19 - The attached document for the life insurance policy, which was also in the package uploaded, shows the policy value and net surrender on page 3. Per loan policy the value can be used for reserves, the value shows at about XXXwouldnt this take care of the reserves being sufficient?XXX - You can only use the Net cash surrender value which is $XXX. This policy was used.10/18/19 - Lender provided updated guides that allow recent balance. However reserves are now short $XXX. Exception considered non material. Comp factors include significant time at job and credit score exceeds min. | 10/17/19 - Exception remains.10/18/19 - Exception downgraded to Non-material. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 712 qualifying score. Min required per guidelines is 680.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower is XXX for 32 years. | Client Complete |
| 166097 | XXXXXX | XXXXXX | 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 | Credit/Mtg History | Satisfied | B A | B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing mortgage verification on subject. Guidelines require cancelled checks and/or bank statements for 12 consecutive months. Provide mortgage rating from XXX. | 10/ 4/19 - Per Closing Statement on 1/31/2019 6 months worth of payments were paid up front to the lender at that time. The payoff received support the borrower made August payment in a timely manner showing due for September payment. Prior to this time borrower lived rent/mortgage free. | 10/7/19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 712 qualifying score. Min required per guidelines is 680.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower is XXX for 32 years. | Client Complete |
| 608508 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor D B A | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 3 days prior to consummation XXX | 7.16.19 - Lender provided initial CD 6.20.19 | 7.16.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 26.24%, max per guidelines is 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 41.59 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 608508 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor D B A | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Missing E consent for both borrowers | 7.16.19- Lender provided e consent's | 7.16.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 26.24%, max per guidelines is 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 41.59 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 608508 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor D B A | D | A D B | D | A | Credit | Income/Employment | Active | B | B | CRDINC2488 | Verbal verification of employment missing | No | (a) XXX is XXX. Per GL - The existence of XXX must be validated within 30 calendar days prior to the Note Date. Missing XXX validation within 30 calendar day. (b)Missing Verbal VOE for XXX. Per GL- A verbal VOE is required to be completed no more than 10 days prior to the Note Date. Deemed Non-material based on compensating factors DTI is 26.24%, max per guidelines is 50.00%. 41.59 months PITI reserves verified, max per guidelines is 3 months | 7/15/19 -(b) Lender provided VVOE dated within 10 days of Note date. Exception satisfied.(a) Lender provided existence of XXX completed 7/11/19 after Note date of XXX. Exception remains non material for verification dated after Note date. | 7/17/19 - Exception remains. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 26.24%, max per guidelines is 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 41.59 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 608508 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor D B A | D | A D B | D | A | Credit | Terms/Guidelines | Waived | B | B | CRDTER3124 | Loan documents do not meet guideline requirements | No | Email in file states there is an exception approval from XXX to close and fund loan as NON QM in NY State. Per new guide XXX no longer does NON QM wholesale loans in NY. Missing XXX exception approval to close and fund loan as NON QM in NY State. Deemed Non-material based on compensating factors DTI is 26.24%, max per guidelines is 50.00%. 41.59 months PITI reserves verified, max per guidelines is 3 months | 7/16/17 - Client acknowledged and provided Waiver. | 7/17/19 - Exception waived. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 26.24%, max per guidelines is 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 41.59 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 608508 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor D B A | D | A D B | D | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 7/22/2019 Desk Review provided supports value with a -2.86% variance. | 7/22/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 26.24%, max per guidelines is 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 41.59 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 133247 | XXXXXX | XXXXXX | 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 | State Consumer Protection | Active | B | B | CMPSTCP4383 | MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower | No | No Evidence that XXX Toolkit was delivered to the borrower | 6.17.19- Lender response: "Not required for Refinance transaction." XXX-Exception remains. Per senate bill 578, rule applies to refinance transactions. | 6.19.19 - Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 725 qualifying score. Min required per guidelines is 620. | Client Complete |
| 133247 | XXXXXX | XXXXXX | 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 | C B | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | Final CD 5.30.19 Loan Disclosure Section, Partial Payments no options are selected. | 6.17.19 - Lender provided CD 5.28.19 originally submitted at time of the review Loan Disclosure Section, Partial Payments no options are selected.6.19.19 - Lender provided Corrected CD 6.17.19 with Disclosure section, Partial payments section completed. | 6.17.19 - Exception Remains6.19.19 - Exception satisfied | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 725 qualifying score. Min required per guidelines is 620. | Client Complete |
| 133247 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 6/20/2019 Desk Review provided supports value with a 0% variance. | 6/20/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 725 qualifying score. Min required per guidelines is 620. | Client Complete |
| 384635 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Lender shows $XXX for HOA dues, please provide documentation as appraisal does not show any dues and no PUD rider is with Mortgage. | 10/7/2019 - Lender removed HOA dues. | 10/7/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 17 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Client Complete |
| 384635 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | State Consumer Protection | Satisfied | B A | B A | CMPSTCP4383 | MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower | No | No Evidence that Michigan Home Loan Toolkit was delivered to the borrower | 10.10.19 - Toolkit provided | 10.10.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 17 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Client Complete |
| 384635 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Lender shows $XXX for HOA dues, please provide documentation as appraisal does not show any dues and no PUD rider is with Mortgage. | 10/7/2019 - Lender removed HOA dues. | 10/7/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 17 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Client Complete |
| 384635 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Demographic Information Addendum incomplete. No box checked for race. One box must be checked. Either check one of the race or check I do not wish to provide this information. | 10/7/19 - Lender provided corrected DOA | 10/7/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 17 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Client Complete |
| 384635 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Missing final inspection. | 10/7/19 - Lender provided copy of appraisal shows subject to repairs. XXX- Missing form 1004D "Appraisal update and/or Completion Certificate".11/7/19 - Lender provided 1004D. | 10/7/19 - Exception remains11/7/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 17 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Client Complete |
| 384635 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 10/07/2019 Desk Review provided supports value with a 0% variance. | 10/07/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 17 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Client Complete |
| 384635 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Property Valuations | Property | Satisfied | C A | C A | PRVAPROP245 | Escrow for Repairs - Not Released | No | Final CD shows Escrow Holdback to XXX of $14,200 missing proof this has been released. | 11/13/19 - Lender provided copy of check and Fed Ex funds released. | 11/13/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 17 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Client Complete |
| 613335 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | D | A D C | D | A | Compliance | Documentation | Satisfied | D A | D A | CMPDOC191 | Missing Mortgage | No | Missing all pages to fully executed Mortgage and any applicable riders | 10.7.19 - Mortgage and all riders provided | 10.7.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 807 qualifying score. Min required per guidelines is 640.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 14 years with current employer<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXXyears. | Client Complete |
| 613335 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | D | A D C | D | A | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No | Short cash to close $38,002. | 10/7/19 - Lender provided copy of cashiers checks for $67,000 and $76,335.93. XXX - File only contains verification of assets as follows: XXX $XXXXXX $XXX GIFT $XXX Total verified $XXX Cash to close required $XXX. Short $XXX 10/11/19 - Lender say borrower has $XXX in XXX account #XXX with the two gifts of $XXX and $XXX. Additional $XXX was sent directly to closing from another Gift. XXX - Giving credit for the EMD of $XXX leaves borrower short $XXX. You say borrower had $XXX then sent a cashiers check to closing $XXX that would leave $XXX in the XXX account. He then brought a cashiers check of $XXX to closing when the account only had $XXX remaining. Where did the additional $XXX come from? He had $XXX plus $12,000= $XXX in assets. CD shows he needed $XXX to close after giving credit for the $XXX. He is short cash to close. Application shows XXX bal $XXX and a Gift of $XXX is there an additional Gift? As the $XXX and $XXX are already in the XXX account balance. 10/24/19 - Lender provided Gift letter and Receipt that the $XXX was sent directly to Escrow. | 10/7/19 - Exception remains. 10/11/19 - Exception remains 10/24/19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 807 qualifying score. Min required per guidelines is 640.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 14 years with current employer<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXXyears. | Client Complete |
| 613335 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | D | A D C | D | A | Credit | Assets | Satisfied | C A | C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short $7,577.28 for reserves.Per guidelines, 3 months reserves required for subject ($XXX x 3 =$XXX) An Additional 1 month (subject PITI) is required on the other financed property $XXX for a total of $XXX reserves required | 10/24/19 - Lender provided Gift letter and Receipt that the $XXX was sent directly to Escrow. | 10/24/19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 807 qualifying score. Min required per guidelines is 640.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 14 years with current employer<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXXyears. | Client Complete |
| 469448 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing updated credit report or monthly statement to support payment updated payment for XXX of $26.30 and balance $526 as shown on final 1003. | 3/9/20 - Lender provided same credit report dated 1/16/20. XXX - Credit report dated 1/16/20 is the same credit report in file that shows XXX of $37 with balance $526. Final 1003 has payment $26.30. 3/10/20 - Lender provided updated 1003 and 1008 | 3/9/20 - Exception remains 3/10/20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 35.45%(Q.R), max per guidelines is 55%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX in reserves. 3 months PITI ($XXX x 3)= $XXX required. | Complete |
| 469448 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 3/11/20 Desk Review provided supports value with a -5.93% variance. | 3/10/20 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 35.45%(Q.R), max per guidelines is 55%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX in reserves. 3 months PITI ($XXX x 3)= $XXX required. | Complete |
| 847574 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | No subsequent property inspection completed after FEMA Disaster Declaration #4466 date of XXX, Tropical Storm XXX | 12/3/19 - Lender provided PDI. No damage. | 12/3/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 627 qualifying score. Min required per guidelines is 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 13.19 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 963677 | XXXXXX | XXXXXX | 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 | B | B | CMPTRID4299 | TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | One or more amounts in the CD dated XXX Calculating Cash to Close columns do not match the LE from XXX. The LE column in the cash to close section of the CD XXX has $15247 for closing costs and LE has $15093. Provide missing LE that matches the Final CD or post close CD correcting the cash to close section. | 12.11.19 - Client provided missing Final LE | 12.11.19 - Exception satisfied | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 19.37%, max per guidelines is 43.00%. | Client Complete |
| 963677 | XXXXXX | XXXXXX | 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 | B | B | CMPTRID4309 | TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | One or more amounts in the CD dated XXX Calculating Cash to Close columns do not match the LE from XXX. The LE column in the cash to close section of the CD XXX has $83172 and LE has $83018. Provide missing LE that matches the Final CD or post close CD correcting the cash to close section. | 12.11.19 - Client provided missing Final LE | 12.11.19 - Exception satisfied | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 19.37%, max per guidelines is 43.00%. | Client Complete |
| 963677 | XXXXXX | XXXXXX | 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 A | 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 | Initial CD XXX 5/1 ARM and Final CD XXX 30 year fixed corrected CD should have been provided 3 days prior to closing. CIC in file stating change in program XXX however CD XXX not provided in file. | 12.11.19 - Missing CD dated XXX provided | 12.11.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 19.37%, max per guidelines is 43.00%. | Client Complete |
| 963677 | XXXXXX | XXXXXX | 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 | 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 | $40 refund due to increase in Appraisal fee from $430 to $470 without a valid reason, Missing CIC for increase in appraisal fee or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 12.19.19 - PCCD, LOX, proof of delivery and $40 refund check provided | 12.19.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 19.37%, max per guidelines is 43.00%. | Client Complete |
| 963677 | XXXXXX | XXXXXX | 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 | Credit/Mtg History | Satisfied | B A | B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per guide- ?Minimum 12 month verified rental history with 0x30 late is required. Missing rental history verification. If borrower lives rent free a confirmation from the Landlord or Property Owner must be provided to verify no rental obligation. | 12/6/19 - Lender response - Loan was underwritten and approved on 10/24/2019 prior to the guideline change requiring confirmation from the Landlord or Property Owner due to this fact this was not required on this loan. XXX- Guidelines state what exception says. 12/9/19 - Update to guidelines no longer require confirmation from the Landlord or Property Owner. | 12/6/19 - Exception remains 12/9/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 19.37%, max per guidelines is 43.00%. | Client Complete |
| 210942 | XXXXXX | XXXXXX | 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 | D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | The Effective Date 1/20/2020 is showing the same as the Expiration Date 1/20/2020. The Policy needs to be updated to reflect the Expiration date 1/20/2021. | 2/14/20: Lender provided updated HOI that shows expiration date of 1/20/21 | 2/14/20: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The DTI is 18.81 points below the maximum of 50%,<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Assets calculated: $XXX, Assets Required: $XXX, Cash Reserves: $XXX, Cash Reserves required: PITIA $XXXx 3 months = $XXX. | Complete |
| 210942 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation to support the appraised value of $XXX. | 2/7/2020: Received a copy of the appraisal and 1004D that was provided at initial review. Missing updated valuation to support appraised value.3/6/20 - Valuation received. 0% variance. | 2/7/2020: Exception remains.3/9/20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The DTI is 18.81 points below the maximum of 50%,<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Assets calculated: $XXX, Assets Required: $XXX, Cash Reserves: $XXX, Cash Reserves required: PITIA $XXXx 3 months = $XXX. | Complete |
| 549220 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing copy of Note, VOM, Mortgage Statement to support primary residence XXX. Application under Present housing shows shows P&I $XXX, plus taxes $250 and insurance $100. There is no mortgage listed on application for this property. | 1/7/19 - Lender provided documentation showing no liens on property. Lender provided updated 1003 and 1008. | 1/7/20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 36.84%, max per guidelines is 53%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the same job for the past 13.4 years. | Client Complete |
| 549220 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Credit | LTV/CLTV | Waived | C B | C B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Per guidelines - Maximum LTV for Condominiums in Florida is 70%. Loan closed at 80% | 1/2/20 - Lender sent e-mail stating they underwrote loan to GEM program and 70% is allowed for Florida. XXX - Lender approval shows loan underwritten to XXX guidelines which restricts Florida Condominiums to 70%.1/13/20- Lender provided Exception Request form acknowledging LTV exception. Exception considered Non material due to low DTI, 0x30 Mtg pay history and 770 credit score.1/21/20 - Lender provided Waiver | 1/3/20 - Exception remains.1/15/20- Exception remains non material.1/21/20 - Exception Waived. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 36.84%, max per guidelines is 53%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the same job for the past 13.4 years. | Client Complete |
| 549220 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Credit | Re-Verifications | Satisfied | C A | C A | CRDRVRFC1803 | Debts/Obligations that were not discl at origination revealed through independent re-verification | No | Missing copy of Note, VOM, Mortgage Statement to support primary residence XXX. Application under Present housing shows shows P&I $XXX, plus taxes $250 and insurance $100. There is no mortgage listed on application for this property. | 1/7/19 - Lender provided documentation showing no liens on property. Lender provided updated 1003 and 1008. | 1/7/20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 36.84%, max per guidelines is 53%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the same job for the past 13.4 years. | Client Complete |
| 754314 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | C B A | C | C | Compliance | Ability to Repay/Qualified Mortgage | Waived | C | C | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | Yes | Per guidelines,Residual income is the level of income that an individual has after personal debts and expenses have been paid- Minimum $XXX. Residual Income is $XXX. | 3/13/20 - Lender Approved Exception. Lender provided 1008 with income changed to $XXXB1 and $XXX for CB. No documentation provided to verify change of income. 3/16/20 - Lender provided updated Income Worksheet used 24 months bank statements. XXX- Lender qualified with CPA/P&L factor. Provide Expense Factor for both businesses. Bank Statements #XXX and #XXX. 3/17/20 - Borrowers used personal bank statements expense factor not required.3/17/20 - Lender provided Waiver | 3/12/20 - Exception remains. 3/16/20 - Exception waived. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been on the same job for the past 20 years. Co-Borrower has been on the same job for the past 10 years.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrowers have re-established credit since Ch7 BK discharged 10/12. | Complete |
| 754314 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | C B A | C | C | Credit | LTV/CLTV | Waived | C B | C B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | Per guidelines(dated 10/28/19), 12 month Personal Bank statement LTV is 85% at FICO 680-719. Loan approved at 89.94%. | 2/19/20 - Lender provided Champion guideline 1/17/20. XXX - Borrower was not qualified under Traditional - 12 month Full Document program. Borrower was qualified under Self-employed Personal 12 month Bank Statement. Need > or = to 720 to go to 90%. Borrower score is 704.2/21/20 Lender provided Waiver | 2/19/20 - Re-reviewed Exception deemed non-material based on compensating factors. 5 years XXX. 8 years re-established credit no lates.2/21/20 - Exception Waived. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been on the same job for the past 20 years. Co-Borrower has been on the same job for the past 10 years.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrowers have re-established credit since Ch7 BK discharged 10/12. | Complete |
| 989152 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2478 | Missing Legal Documentation | No | Loan documents contain history of $950 Child Support payments by XXX. Additionally, title report has filed Judgement for $XXX monthly child support payments. Missing court ordered documents to verify XXX is no longer obligated to pay $950 child support to XXX. Also missing copy of the executed Divorce Decree/Separation agreement to verify no Alimony/Maintenance payment is required. | 2/18/20 - Lender provided an e-mail chain with no attachments.2/20/20 - Lender response. The judgement on title is being released and per the payment history provided from Texas the child support has been paid as there is a 0 balance due. | 2/18/20 - Exception remains.2/20/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Final LTV/CLTV is 23%, guidelines allow up to 75%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Client has a total of XXX years at current residence. | Client Complete |
| 989152 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value of $XXX. | 2/11/20: Received copy of same full appraisal from lender. File still needing updated valuation or desk review to support appraisal.2/17/20 Desk Review provided supports value with a -2% variance. | 2/11/20: Exception remains.02/17/20 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Final LTV/CLTV is 23%, guidelines allow up to 75%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Client has a total of XXX years at current residence. | Client Complete |
| 950684 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for five years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The median credit score is 750, 50 points higher than the minimum of 700. | Client Complete |
| 880851 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | Right of Rescission | Satisfied | C A | C A | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Expiration date on ROR form is XXX which is prior to end of rescission period. Expiration date should be XXX. | 3.6.20 - Client states ROR not required since a land contract. | 3.6.20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the same job for the past 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 72.83%, max per guidelines is 80%. | Complete |
| 880851 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | Right of Rescission | Satisfied | C A | C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date is XXX per CD and earliest expiration date per ROR is XXX. Earliest expiration date on ROR should be XXX and Disbursement date after that. | 3.6.20 - Client states ROR not required since a land contract. | 3.6.20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the same job for the past 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 72.83%, max per guidelines is 80%. | Complete |
| 880851 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing copy of private party payoff demand to support $XXX. | 3/5/20 - Lender provided Payoff Demand. | 3/6/20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the same job for the past 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 72.83%, max per guidelines is 80%. | Complete |
| 939629 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing verification of PITI and HOA for XXX VA 2. Missing verification of PITI for XXX VA | 2/18/20 - Lender provided Mortgage statement for XXX shows escrows included. Provided HOA dues $XXX mo. Lender provided Mortgage statement for XXX escrows included. | 2/18/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require a minimum credit score of 680 for a loan amount <$1.5mm<85% LTV. Final credit score of 714 is 34 points over the required minimum<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Guidelines require a maximum DTI of 43% for a loan amount <$1.5mm<90% LTV. The final DTI is 28.84% which is 14.16% points below the maximum DTI. | Client Complete |
| 939629 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 1. Missing verification of PITI and HOA for XXX VA 2. Missing verification of PITI for XXX VA | 2/18/20 - Lender provided Mortgage statement for XXX shows escrows included. Provided HOA dues $XXX mo. Lender provided Mortgage statement for XXX escrows included. | 2/18/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require a minimum credit score of 680 for a loan amount <$1.5mm<85% LTV. Final credit score of 714 is 34 points over the required minimum<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Guidelines require a maximum DTI of 43% for a loan amount <$1.5mm<90% LTV. The final DTI is 28.84% which is 14.16% points below the maximum DTI. | Client Complete |
| 939629 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing signed Agreement of Sale with all Addenda for the purchase of XXX VA | 2/10/20 - Lender provided contract. | 2/10/20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require a minimum credit score of 680 for a loan amount <$1.5mm<85% LTV. Final credit score of 714 is 34 points over the required minimum<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Guidelines require a maximum DTI of 43% for a loan amount <$1.5mm<90% LTV. The final DTI is 28.84% which is 14.16% points below the maximum DTI. | Client Complete |
| 939629 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Lender approval, 1008. | 2/18/20 - Lender provided Program and 1008. | 2/18/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require a minimum credit score of 680 for a loan amount <$1.5mm<85% LTV. Final credit score of 714 is 34 points over the required minimum<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Guidelines require a maximum DTI of 43% for a loan amount <$1.5mm<90% LTV. The final DTI is 28.84% which is 14.16% points below the maximum DTI. | Client Complete |
| 939629 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 2/11/20 Desk Review provided supports value with a 0% variance. | 02/11/20 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require a minimum credit score of 680 for a loan amount <$1.5mm<85% LTV. Final credit score of 714 is 34 points over the required minimum<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Guidelines require a maximum DTI of 43% for a loan amount <$1.5mm<90% LTV. The final DTI is 28.84% which is 14.16% points below the maximum DTI. | Client Complete |
| 318857 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been on the current job for 13 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been in the same line of profession for 30 years. | Complete |
| 598411 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been in the same line of profession for 15 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The DTI is 21.54 points below the maximum of 50%. | Complete |
| 514180 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The LTV is 31.39 points below the maximum of 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The DTI is 8.66 points below the maximum of 50%. | Complete |
| 957246 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 713 credit score exceeds minimum of 680 with a 70% LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Verified reserves of $XXX or 48.57 months PITI; 3 months (3 \* $XXX = $XXX) required per guidelines. | Client Complete |
| 860650 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | CD XXX - Other Costs, Section H. Other: Title - XXX Owner's Title Guaranty (line 06) payee is listed as "Other". | 6.19.19 Received PCCD from client. | 6.19.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 12 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 698 Fico exceeds 640 mid score.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 31.04% DTI is below max of 43%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves of 7.06 months exceed 3 months PITIA guidelines | Client Complete |
| 860650 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section E. Taxes and Other Govt. Fees: Recording Fee of $XXX is missing itemization for Deed/Mortgage. | 6.19.19 Received PCCD from client. | 6.19.19 Exception satisfied | Hybrid | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 12 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 698 Fico exceeds 640 mid score.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 31.04% DTI is below max of 43%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves of 7.06 months exceed 3 months PITIA guidelines | Client Complete |
| 860650 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. Appraisal in file | 06.18.19 Updated value received, appraised value supported. | 06.18.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 12 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 698 Fico exceeds 640 mid score.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 31.04% DTI is below max of 43%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves of 7.06 months exceed 3 months PITIA guidelines | Client Complete |
| 272364 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section E Taxes and Other Govt. Fees: Recording Fee of $272.50 is missing itemization for Deed/Mortgage. | 7.12.19 Received PCCD from client. | 7.12.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 65%; Max is 70% for a Foreign National.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Borrower is required to have 6 months P&I reserves (6 \* $XXX = $XXX). B1 has a total of $XXX or 15.82 months P & I.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 8.57%; Max is 49%. | Client Complete |
| 272364 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 07.09.19 Updated value received, appraised value supported. | 07.09.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 65%; Max is 70% for a Foreign National.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Borrower is required to have 6 months P&I reserves (6 \* $XXX = $XXX). B1 has a total of $XXX or 15.82 months P & I.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 8.57%; Max is 49%. | Client Complete |
| 467665 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 772 CBR exceeds 720 mid score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Borrower's Post Close Assets are $XXX or 37.73 months of PITIRequired PITI Reserves are $XXX x 3 = $XXX | Client Complete |
| 471065 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves verified in the amount of $XXX which is 4.25 months of PITI. Requires 6 months [$XXX x 6 = $XXX]. Insufficient reserves verified. Lender used $XXX Gift from Dad per final 1003, Gift Letter & wire transfer in file state $XXX. Additionally, per guidelines 50% of business account balance may be used towards closing costs or reserves; borrower transferred >50% of balance for funds to close from business account XXX, remaining balance cannot be used for reserves. | 12/11/18 - Lender provided addition XXX account with sufficient reserve funds available. | 12/11/18 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV allowed per guidelines is 90%. Loan LTV is at 85%.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has worked in current profession for 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of XXX | Client Complete |
| 794739 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has worked at current job for over 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $78,347.03 which is 35.06 months of PITI. Only requires 6 months [$2,234.45 x 6 = $13,406.70].<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV allowed per guidelines is 90%. Loan LTV is at 85%. | Client Complete |
| 190364 | XXXXXX | XXXXXX | 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 | C A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | Appraisal dated XXX, missing subsequent inspection for declaration #XXX. | 12.10.18 - lender responded PDI shows no damage dated XXX. | 12.10.18 - exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves $31,193.05 or 7.05 months reserves. Guidelines require 3 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 36.15% is below guideline requirements<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for the last 10 years | Client Complete |
| 130848 | XXXXXX | XXXXXX | 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: Verified reserves $62,266.00 or 12.09 months reserves. Guidelines require 3 months. Additional REO No liens.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 36.57% is below guideline requirements<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for the last 22 years | Client Complete |
| 334029 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | XXX's status determination places loan in a riskier status than the Lender's status determination. XXX determined Non-QM Lender documented all ATR UW Factors, due to Bank statements used for Income. Lender status shows Agency QM- Safe Harbor. | 5/29/19 - Lender indicated loan considered Non QM per loan approval. | 5/31/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 29.12%, max per guidelines is 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14.55 months PITI reserves verified, max per guidelines is 6 months | Client Complete |
| 334029 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | N/A | N/A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1) Missing proof of insurance and any HOA dues for current primary XXX. No P&I showing provide proof owned free and clear. 2) Lender did not include the taxes and insurance in their DTI calculation. | 5/28/19 - Lender provided Property Search $XXX and Hazard $XXX Taxes and insurance $XXX mo. Lender also provided Title commitment for subject loan XXX, MD. XXX - Unable to determine if there is a lien on XXX. Also, missing proof of HOA dues, application shows $XXX mo. 5/31/19 - Lender provided Property Detail Report, Lien released 7/1/2017. Lender provided proof HOA dues $XXX mo. | 5/29/19 - Exception remains. 5/31/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 29.12%, max per guidelines is 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14.55 months PITI reserves verified, max per guidelines is 6 months | Client Complete |
| 334029 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Missing page 4 of 5 of PCCD 4.22.19 | 5.31.19 - Lender provided missing page to PCCD | 5.31.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 29.12%, max per guidelines is 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14.55 months PITI reserves verified, max per guidelines is 6 months | Client Complete |
| 334029 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | Seller CD reflects Seller paid RE Commission for $XXX and $XXX not disclosed on Borrowers CD Section H. | 5.31.19 - Lender provided PCCD 5.31.19 with seller paid fees | 5.31.19 - Exception Satisfied | Hybrid | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 29.12%, max per guidelines is 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14.55 months PITI reserves verified, max per guidelines is 6 months | Client Complete |
| 334029 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Missing e consent for CD 3.25.19 | 5.29.19 - Lender provided E consent | 5.29.19 - Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 29.12%, max per guidelines is 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14.55 months PITI reserves verified, max per guidelines is 6 months | Client Complete |
| 334029 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | DTI | Satisfied | N/A | N/A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 1) Missing proof of insurance and any HOA dues for current primary XXX. No P&I showing provide proof owned free and clear. 2) Lender did not include the taxes and insurance in their DTI calculation. | 5/28/19 - Lender provided Property Search $XXX and Hazard $XXX. Taxes and insurance $XXX mo. Lender also provided Title commitment for subject loan XXX, MD. XXX - Unable to determine if there is a lien on XXX. Also, missing proof of HOA dues, application shows $XXX mo.5/31/19 - Lender provided Property Detail Report, Lien released 7/1/2017. Lender provided proof HOA dues $50 mo. | 5/29/19 - Exception remains.5/31/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 29.12%, max per guidelines is 50.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14.55 months PITI reserves verified, max per guidelines is 6 months | Client Complete |
| 698597 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No | Per guide- The loan file must include an income worksheet detailing income calculations. | 8/20/19 - Lender provided Income Worksheet. | 8/20/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 727 qualifying score. Min required per guidelines is 600.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 31.66%, max per guidelines is 43.00%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 44.29%; max allowed per guidelines is 85.00%. | Client Complete |
| 698597 | XXXXXX | XXXXXX | 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 | D A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood certification. | 8/20/19 - Lender provided Flood Cert. | 8/20/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 727 qualifying score. Min required per guidelines is 600.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 31.66%, max per guidelines is 43.00%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 44.29%; max allowed per guidelines is 85.00%. | Client Complete |
| 698597 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 08/22/2019 Desk Review provided supports value with a 0% variance. | 08/22/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 727 qualifying score. Min required per guidelines is 600.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 31.66%, max per guidelines is 43.00%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 44.29%; max allowed per guidelines is 85.00%. | Client Complete |
| 130391 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 6.3.19 - Lender provided HOC 3.14.19 | 6.3.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 28.71%, max per guidelines is 53.00%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has 18 years with current employer | Client Complete |
| 130391 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B A | B A | CMPTRID3476 | TRID - Written List of Providers not provided or untimely | No | Written List of Providers not provided | 6.3.19 - Lender provided SPL 3.14.19. | 6.3.19 - Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 28.71%, max per guidelines is 53.00%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has 18 years with current employer | Client Complete |
| 130391 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Missing e consent for CD XXX, CD XXX and CD XXX | 6.3.19 - Lender provided e consent for Co- Borrower missing Borrower e consent still.6.17.19 - Lender provided Borrower e c consent. | 6.3.19 - Exception Remains6.17.19 - Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 28.71%, max per guidelines is 53.00%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has 18 years with current employer | Client Complete |
| 130391 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Missing E consent for LE XXX and LE XXX | 6.3.19 - Lender provided e consent for Co- Borrower missing Borrower e consent still.6.17.19 - Lender provided Borrower e c consent. | 6.3.19 - Exception Remains6.17.19 - Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 28.71%, max per guidelines is 53.00%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has 18 years with current employer | Client Complete |
| 130391 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX | 6/3/2019 Desk Review provided supports value with a 0% variance. | 6/3/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 28.71%, max per guidelines is 53.00%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has 18 years with current employer | Client Complete |
| 358617 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | A D B C | C | A | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Affiliate Business Disclosure missing | 6.28.19 - Lender provided Affiliate Business Disclosure | 6.28.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 766 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 23.24%, max per guidelines is 43.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 24.79 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 358617 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | A D B C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated XXXper Regulatory Required Date Certification provided in fie | 6.28.19 - Lender provided Initial CD XXX. | 6.28.19 - Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 766 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 23.24%, max per guidelines is 43.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 24.79 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 358617 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | A D B C | C | A | Credit | Terms/Guidelines | Active | B | B | CRDTER3124 | Loan documents do not meet guideline requirements | No | Per GLs housing and mortgage obligations that are not on the credit report- Must be verified with cancelled checks and/or bank statements for 12 consecutive months (if length of time in residence is less than 12 months, verify payments for the time period of occupancy. Borrower is renting, Missing rent verification. Lender to provide rent verification for 3 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 766 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 23.24%, max per guidelines is 43.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 24.79 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 358617 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | A D B C | C | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing borrower ability to repay certification. Lender to provide | 7/9/19 - Lender provided signed ATR. | 7/10/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 766 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 23.24%, max per guidelines is 43.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 24.79 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 358617 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | A D B C | C | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 7/1/2019 Desk Review provided supports value with a 0% variance. | 7/1/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 766 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 23.24%, max per guidelines is 43.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 24.79 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 497554 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Compliance | Documentation | Satisfied | D A | D A | CMPDOC191 | Missing Mortgage | No | Missing all pages to the Mortgage | 6/27/19 - Lender provided signed, dated, and notarized mortgage. | 6/28/19- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 53.81%; max allowed per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 8.14%, max per guidelines is 50.00%. | Client Complete |
| 497554 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 7.12.19 - Lender provided proof of delivery of homeowners counseling however unable to determine if the form was compliant. The actual form with a list of at least 10 counselors is required.9.17.19 - Complete from with list of 10 counselors was provided. | 7.12.19 - Exception Remains9.17.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 53.81%; max allowed per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 8.14%, max per guidelines is 50.00%. | Client Complete |
| 497554 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4299 | TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | One or more amounts in the PCCD dated 6.19.19 Calculating Cash to Close columns do not match the LE from XXX. The LE column in the cash to close section of the CD XXX has -$15,414 for closing costs and LE has -$15,064. Provide missing LE per disclosure tracking summary dated XXX that matches the Final CD or post close CD correcting the cash to close section. | 8.16.19 - Lender provided Missing LE XXX and CIC | 8.16.19 - Exception satisfied | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 53.81%; max allowed per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 8.14%, max per guidelines is 50.00%. | Client Complete |
| 497554 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4309 | TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | One or more amounts in the PCCD dated XXX Calculating Cash to Close columns do not match the LE from XXX. The LE column in the cash to close section of the CD XXX has $15,414 for closing costs and LE has $15,064. Provide missing LE per disclosure tracking summary dated XXX that matches the Final CD or post close CD correcting the cash to close section. | 8.16.19 - Lender provided Missing LE XXX and CIC | 8.16.19 - Exception satisfied | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 53.81%; max allowed per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 8.14%, max per guidelines is 50.00%. | Client Complete |
| 497554 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | PCCD XXX Other Costs section, Field F: HOI and Property taxes are missing number of months prepaid. | 8.16.19 - Lender provided PCCD XXX with number of months provided. Missing LOX.8.16.19 - LOX received | 8.16.19 - Exception remains8.16.19 - Exception satisfied | Hybrid | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 53.81%; max allowed per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 8.14%, max per guidelines is 50.00%. | Client Complete |
| 497554 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing credit report with fico scores. Credit report in file dated 5/10/19 doesn't show fico scores. Provide credit report with fico scores. | 6/27/19- Lender provided credit report dated 4/2/19, with 3 fico score (684; 736; 685) | 6/28/19 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 53.81%; max allowed per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 8.14%, max per guidelines is 50.00%. | Client Complete |
| 497554 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Credit | Terms/Guidelines | Waived | C | C | CRDTER3124 | Loan documents do not meet guideline requirements | Yes | Missing borrower ability to repay certification. Lender to provide | 7.26.19- Client Submitted Waiver | 7.26.19 - Waiver per Client | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 53.81%; max allowed per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 8.14%, max per guidelines is 50.00%. | Client Complete |
| 497554 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX | 7/3/2019 - Received valuation 1.81% variance. | 7/8/2019 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 53.81%; max allowed per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 8.14%, max per guidelines is 50.00%. | Client Complete |
| 476319 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Seller-paid fees are disclosed on the borrowers CD, but it is clear that the seller paid for other items that are not disclosed per the Seller CD | (No Data) | 6.28.18 - Upon further Sr. XXX review, Per the seller CD,exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 761 qualifying score. Min required per guidelines is 620.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 761 qualifying score. Min required per guidelines is 620. | Client Complete |
| 476319 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Missing e consent for CD XXX | 7.10.19 - E consent provided | 7.10.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 761 qualifying score. Min required per guidelines is 620.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 761 qualifying score. Min required per guidelines is 620. | Client Complete |
| 476319 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Missing e consent for LE XXX and LE XXX | 7.10.19 - Lender provided E consent | 7.10.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 761 qualifying score. Min required per guidelines is 620.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 761 qualifying score. Min required per guidelines is 620. | Client Complete |
| 476319 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing 1008 Transmittal Summary. | 6/27/19- Lender provided 1008 Transmittal Summary. | 6/28/19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 761 qualifying score. Min required per guidelines is 620.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 761 qualifying score. Min required per guidelines is 620. | Client Complete |
| 476319 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Credit | Terms/Guidelines | Waived | C | C | CRDTER3124 | Loan documents do not meet guideline requirements | Yes | Missing borrower ability to repay certification | 7.26.19- Client Submitted Waiver | 7.26.19 - Waived per Client | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 761 qualifying score. Min required per guidelines is 620.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 761 qualifying score. Min required per guidelines is 620. | Client Complete |
| 476319 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | B D C A | D | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated desk review supporting appraisal value of $XXX. | 7/1/2019 Desk Review provided supports value with a 0% variance. | 7/1/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 761 qualifying score. Min required per guidelines is 620.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 761 qualifying score. Min required per guidelines is 620. | Client Complete |
| 688110 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value of $XXX. | 6/13/2019 Desk Review provided supports value with a 0% variance. | 6/13/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 66.31%. Max 80%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in same profession 25 years. | Client Complete |
| 688110 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Property | Satisfied | D A | D A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | Appraiser did not address if can be rebuilt if damaged or destroyed. | 6/14/19- Lender provided evidence that property can be rebuilt if destroyed. | 6/17/19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 66.31%. Max 80%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in same profession 25 years. | Client Complete |
| 318522 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Missing e consent for LE XXX | 8/30/19 - Lender provided E consent for LE 4.18.19. | 8/30/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 20.1 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided in current owner occupied residence for XXX years. | Client Complete |
| 318522 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Application | Satisfied | D A | D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing 3rd party Fraud report. | 8/30/19 - Lender provided Fraud Report | 8/30/19 - Exception satisfied | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 20.1 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided in current owner occupied residence for XXX years. | Client Complete |
| 318522 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing 1008 Transmittal Summary. | 8/30/19 - Lender provided 1008. | 8/30/19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 20.1 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided in current owner occupied residence for XXX years. | Client Complete |
| 459981 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Satisfied | D A | D A | CRDCRMH183 | Credit report incomplete | No | Credit report missing FICO scores. | 10/2/19 - Lender provided credit report with scores. | 10/2/19 - Exception satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrower has not had any mortgage lates in 2 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current residence. | Client Complete |
| 459981 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active | C B | C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | DSCR is .996%. Per guidelines minimum Debt-Service Coverage Ratios (DSCR) = 1.0% XXX calculation - Rents $XXX / PITI $XXX8 =.996% P&I is $XXX + XXX + XXX =$XXX. Qualifying Rate Fully indexed fully amortized 8.875% P&I $XXX | 10/151/9 - Lender provided Exception approval.XXX - Based on compensating factors exception deemed non-material. Credit score 697, no mortgage lates on primary residence. | 10/15/19 - Exception remains non-material | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrower has not had any mortgage lates in 2 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current residence. | Client Complete |
| 459981 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA/Desk review supporting the appraised value of $XXX. UCDP was unable to score. | 10/04/2019 Desk Review provided supports value with a 0% variance. | 10/04/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrower has not had any mortgage lates in 2 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current residence. | Client Complete |
| 647699 | XXXXXX | XXXXXX | 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 | RESPA | Satisfied | B A | B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Affiliate Business Disclosure missing | 8.13.19 - No evidence of affiliates on CD and lender provided statement of no affiliates | 8.13.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at subject XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 780 | Client Complete |
| 647699 | XXXXXX | XXXXXX | 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 | Right of Rescission | Satisfied | B | B | CMPROR118 | ROR - Disbursement date is on/before disclosed "midnight of" date | No | Disbursement date per Final CD XXX and earliest expiration date per ROR is 7.11.19. LOX, TIL or CD, proof of delivery, and New NORTCs to all entitled to rescind to re-open rescission (2 for each recipient). Within 60 days of discovery. | 8.7.19 - Lender provided PCCD XXX with corrected dates however a LOX and proof of delivery of the corrected CD is still required.8.13.19 - Lender provided LOX and proof of delivery | 8.7.19 - Exception remains8.13.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at subject XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 780 | Client Complete |
| 647699 | XXXXXX | XXXXXX | 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 | Right of Rescission | Satisfied | C B | C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date per Final CD XXX and earliest expiration date per ROR is 7.11.19. LOX, TIL or CD, proof of delivery, and New NORTCs to all entitled to rescind to re-open rescission (2 for each recipient). Within 60 days of discovery. | 8.7.19 - Lender provided PCCD XXX with corrected dates however a LOX and proof of delivery of the corrected CD is still required. 8.13.19 - Lender provided LOX and proof of delivery | 8.7.19 - Exception remains8.13.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at subject XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 780 | Client Complete |
| 647699 | XXXXXX | XXXXXX | 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 | B A | B A | CMPTRID3476 | TRID - Written List of Providers not provided or untimely | No | Written List of Providers not provided | 8.1.19 - SPL provided | 8.1.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at subject XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 780 | Client Complete |
| 647699 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL101 | Missing legal docs for senior or subordinate loan | No | Missing executed Subordination Agreement from XXX for XXX with Borrower's signature. | 8/1/19 - Lender provided Subordination Agreement.XXX- This is the same copy in file, borrower did not sign it.8.13.19 - Lender provided signed subordination agreement | 8/1/19 - Exception remains.8.13.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at subject XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 780 | Client Complete |
| 647699 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | XXX Guidelines - Section 3.1 Borrower Certification - Ability to Repay Certification is required. Not in file. | 8/1/19 - Lender provided ATR. | 8/1/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at subject XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 780 | Client Complete |
| 647699 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 08/08/2019 Desk Review provided supports value with a 0% variance. | 08/08/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at subject XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 780 | Client Complete |
| 380168 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption D B A | D | B D A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing hazard insurance policy for XXX | 7/30/19 - Lender provided hazard insurance policy for XXX. Exception remains for missing hazard insurance policy for XXX. 8/13/19 - Lender provided proof of hazard for XXX.$109 mo. | 7/31/19 - Exception remains.8/13/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at departing residence 15 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower in same profession 13 years. | Client Complete |
| 380168 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption D B A | D | B D A | D | B | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Affiliate Business Disclosure missing | 7/30/19 - ABD provided | 7/30/19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at departing residence 15 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower in same profession 13 years. | Client Complete |
| 380168 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption D B A | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID5019 | TRID - Closing Disclosure; Optional designation missing from optional insurance product | No | Final CD 7.8.19 - Other Costs section, Field H: Title - Owners Title Insurance is missing optional designation. | 8.2.19 - LOX, Corrected CD 8.2.19, and proof of delivery provided. | 8.2.19 - Exception Satisfied | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at departing residence 15 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower in same profession 13 years. | Client Complete |
| 380168 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption D B A | D | B D A | D | B | Credit | Assets | Satisfied | B A | B A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Per guidelines most recent (3) months business bank statements are required. File contains XXX #XXX 4/1/19-4/30/19 and 6/3/19 -7/2/19. Missing May 1st - June 2nd 2019. | 8/13/19 - Lender provided XXX May bank statement. | 8/13/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at departing residence 15 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower in same profession 13 years. | Client Complete |
| 380168 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption D B A | D | B D A | D | B | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing hazard insurance policy for XXX. | 7/30/19 - Lender provided hazard insurance policy for XXX. Exception remains for missing hazard insurance policy for XXX. 8/13/19 - Lender provided proof of hazard for XXX.$109 mo. | 7/31/19 - Exception remains8/13/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at departing residence 15 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower in same profession 13 years. | Client Complete |
| 380168 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption D B A | D | B D A | D | B | Credit | Income/Employment | Satisfied | B A | B A | CRDINC3204 | Income Documentation Missing | No | Missing 24 month business bank statement calculation worksheet. | 7/30/19 - Lender provided 24 month business bank statement calculation worksheet. | 7/30/19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at departing residence 15 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower in same profession 13 years. | Client Complete |
| 380168 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption D B A | D | B D A | D | B | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Maximum LTV per guidelines for Purchase, FICO 672 is 80%. LTV 85% exceeds maximum by 5%. | 7/30/19 - Lender provided acknowledged exception. Exception remains non material. | 7/31/19 - Exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at departing residence 15 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower in same profession 13 years. | Client Complete |
| 380168 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption D B A | D | B D A | D | B | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Per guidelines all Non-QM loans require Ability to Repay Certification or equivalent document. | 8/12/19 - Lender provided ATR Cert. | 8/13/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at departing residence 15 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower in same profession 13 years. | Client Complete |
| 797271 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 636 qualifying score. Min required per guidelines is 600.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 1.21%, max per guidelines is 43.00%. | Client Complete |
| 797271 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 636 qualifying score. Min required per guidelines is 600.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 1.21%, max per guidelines is 43.00%. | Client Complete |
| 797271 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing evidence that CD dated XXX was acknowledged by the borrowers 3 days prior to consummation date of XXX | 9.11.19 - Ack of Initial CD on XXX. | 9.11.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 636 qualifying score. Min required per guidelines is 600.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 1.21%, max per guidelines is 43.00%. | Client Complete |
| 797271 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing full purchase contract with sales price of $XXX. | 9/9/19 - Lender provided Purchase Contract. | 9/9/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 636 qualifying score. Min required per guidelines is 600.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 1.21%, max per guidelines is 43.00%. | Client Complete |
| 797271 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3124 | Loan documents do not meet guideline requirements | No | Missing borrower ability to repay certification. | 9/16/19 - Lender provided ATR. | 9/16/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 636 qualifying score. Min required per guidelines is 600.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 1.21%, max per guidelines is 43.00%. | Client Complete |
| 797271 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX | 9/9/19 - Lender provided copy of appraisal that is in file.XXX - Missing Property Valuation09/10/2019 Desk Review provided supports value with a 0% variance. | 9/9/19 - Exception remains.09/10/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 636 qualifying score. Min required per guidelines is 600.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 1.21%, max per guidelines is 43.00%. | Client Complete |
| 892986 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 08/23/2019 Desk Review provided supports value with a 0% variance. | 08/23/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 779 qualifying score. Min required per guidelines is 620. | Client Complete |
| 813598 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Seller CD and Borrower Final CD provided but only Seller CD reflects Real Estate Commissions for $XXX and $XXX. Per Seller CD exception satisfied | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 776 qualifying score. Min required per guidelines is 600.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 55 months when 12 months are required. | Client Complete |
| 813598 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Fraud report required for all involved parties. Missing 3rd party Fraud report, lender to provide. | 8/14/19 - Lender provided Fraud Guard. | 8/14/19 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 776 qualifying score. Min required per guidelines is 600.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 55 months when 12 months are required. | Client Complete |
| 813598 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Received May/9 to June 6/2019 statement for XXX #XXX. Per guide two consecutive months statements required. Lender must provide one additional month statement for XXX #XXX account. | 8/14/19 - Lender provided XXX 4/9/19 - 5/8/19 #XXX. | 8/14/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 776 qualifying score. Min required per guidelines is 600.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 55 months when 12 months are required. | Client Complete |
| 813598 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3124 | Loan documents do not meet guideline requirements | No | Missing borrower ability to repay certification. Lender to provide | 8/14/19 - Lender provided ATR for XXX. XXX - Still need Ability to Repay Certification for Borrower #1 XXX.8/16/19 - Upon further review, ATR cert provided is sufficient. No additional signature required. | 8/14/19 - Exception remains.8/16/19- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 776 qualifying score. Min required per guidelines is 600.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 55 months when 12 months are required. | Client Complete |
| 813598 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 08/09/2019 Desk Review provided supports value with a 0% variance. | 08/09/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 776 qualifying score. Min required per guidelines is 600.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 55 months when 12 months are required. | Client Complete |
| 476948 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Seller paid fees are required to be listed on Borrowers CD page 2. Per Seller CD seller paid $4 recording fee, $195 Abstract search fee, $165 Chancery search, $45 doc prep, $100 Title examination fee, $25 Lenders title insurance fee, $150 Settlement fee, $35 tax search fee, $30 tidelands search fee. Per seller CD exception satisfied | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 22.88 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 476948 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Seller CD and Borrower CD provided but only Seller CD lists RE Commission fees of $XXX and $XXX. Per Seller CD exception satisfied | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 22.88 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 476948 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing borrower ability to repay certification. Lender to provide | 8/14/19 - Lender proved ATR Certification | 8/14/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 22.88 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 476948 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX | 08/15/2019 Desk Review provided supports value with a -9.52% variance. | 08/15/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 22.88 months PITI reserves verified, max per guidelines is 3 months | Client Complete |
| 278699 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption D B A | D | B D A | D | B | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Missing page 3 of LE XXX | 10.15.19 - Page 3 of LE XXX provided | 10.15.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 20.70%, max per guidelines is 53.00%. | Client Complete |
| 278699 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption D B A | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | Final CD XXX Loan Information section is missing Loan ID#, corrected on PCCD XXX .Exception satisfied. | (No Data) | (No Data) | Hybrid | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 20.70%, max per guidelines is 53.00%. | Client Complete |
| 278699 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption D B A | D | B D A | D | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 10/22/2019 Desk Review provided supports value with a 0% variance. | 10/22/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 20.70%, max per guidelines is 53.00%. | Client Complete |
| 278699 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption D B A | D | B D A | D | B | Property Valuations | FEMA | Waived | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No subsequent property inspection completed after FEMA Disaster Declaration #XXX date of XXX, Severe Storms and Flooding. | 10/16/19 - Lender response - For the exception pertaining to the disaster property inspection, the disaster in IL only has Public Assistance tied to it, XXX policy is to request inspections if individual assistance is made available and the appraisal is done prior to the disaster. 11/18/19 - Lender sent e-mail to Waive. | 10/16/19 - No inspection since the FEMA Disaster XXX, Severe Storms and Flooding.XXX grades "FEMA: Natural Disaster Area, no subsequent inspection (Public) as non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities parks and recreational facilities. Public Assistance does not indicate damage has occurred to personal property an does not have a substantive impact on the property.11/18/19 - Exception Waived | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 20.70%, max per guidelines is 53.00%. | Client Complete |
| 451486 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing acknowledgment of receipt of CD XXX XXX days prior to consummation XXX | 9.24.19- Initial CD receipt on XXX received | 9.24.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower's received $XXX cash out. Reserves required $XXX x 3 months = $XXXrequired.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with current employer 24 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has been with current employer 15 years. | Client Complete |
| 451486 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Transmittal Summary form 1008 | 10/2/19 - Lender provided 1008. | 10/2/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower's received $XXX cash out. Reserves required $XXX x 3 months = $XXXrequired.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with current employer 24 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has been with current employer 15 years. | Client Complete |
| 451486 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation to support value of $XXX. | 10/2/19 - Lender provided same appraisal that is in file.XXX - Desk Review required.10/03/2019 Desk Review provided supports value with a 0% variance. | 10/2/19 - Exception remains.10/03/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower's received $XXX cash out. Reserves required $XXX x 3 months = $XXXrequired.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with current employer 24 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has been with current employer 15 years. | Client Complete |
| 116713 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing residency status - per final 1003 borrower is not US citizen or Permanent Resident Alien.NY ID shows temp visitor expired 4/29/19.Provide a valid unexpired documentation to verify residency status. | 10/8/19 - Lender provided U.S.A. Employment Authorization Card. Expired 4/29/19. Also provided Form I-797C Notice of Action 3/12/19. Eligibility Category C10. Notice extends EAD 180 days. | 10/8/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 732 qualifying score. Min required per guidelines is 640. | Client Complete |
| 116713 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2275 | Missing pre-payment penalty addendum | No | Per Final CD and Lock in form loan is subject to a Prepayment penalty within first 12 months however Note is missing Prepay addendum. | 10.7.19 - Prepayment addendum provided | 10.7.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 732 qualifying score. Min required per guidelines is 640. | Client Complete |
| 116713 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 10/2/19 - Received Desk Review 0% variance. | 10/2/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 732 qualifying score. Min required per guidelines is 640. | Client Complete |
| 746144 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A B | B | A | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 10.17.19 - HCO list provided | 10.17.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower's have XXX for 11 years.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower's have 0x30 mortgage history since 1/2007. | Client Complete |
| 802036 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Assets | Active | C B | C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | $XXX reserves shortfall. Per guidelines, 3 months PITI for subject (3 mo PITI $XXX x 3 =$XXX) post-closing reserves required. File contains only $XXX post closing reserves. Provide additional assets for reserves. | 10/30/2019 - Lender advised unable to produce more assets.XXX - Senior Underwriter reviewed, based on compensating factors exception deemed non-material. FICO 738, 5 years 6 months XXX. DTI 36.71% | 10/30/19 - Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 738 qualifying score. Min required per guidelines is 700. | Client Complete |
| 802036 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | PER GUIDE- All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrowers access to funds in the account. Missing letter from co-owner to verify borrower has access to business account (XXX) | 10/28/19 - Lender provided letter from co-owner to verify borrower has access to business account (XXX). | 10/29/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 738 qualifying score. Min required per guidelines is 700. | Client Complete |
| 802036 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Property Valuations | Property | Satisfied | C A | C A | PRVAPROP2674 | Property Issues Indicated 2 | No | Field review is missing the date of signature and report. (Review Appraiser box left side of page 4 of 15) | 10/25/19 - Lender provided signed and dated report. | 10/25/19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 738 qualifying score. Min required per guidelines is 700. | Client Complete |
| 697428 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 10/22/2019 Desk Review provided supports value with a 3.39% variance. | 10/22/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 112.46 months PITI reserves verified, max per guidelines is 6 months | Complete |
| 683778 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing 3rd party Fraud report for both borrowers. Lender to provide. | 10/2/19 - Lender provided Fraud report. | 10/2/19 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 33.00 months PITI reserves verified, max per guidelines is 3 months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 24.9 years. | Client Complete |
| 683778 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 10/2/19 - Lender provided same appraisal that is in file.XXX - Desk review required.10/04/2019 Desk Review provided supports value with a 0% variance. | 10/2/19 - Exception remains10/04/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 33.00 months PITI reserves verified, max per guidelines is 3 months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 24.9 years. | Client Complete |
| 440156 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 749 qualifying score. Min required per guidelines is 640.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 72.15%; max allowed per guidelines is 80%. | Complete |
| 442300 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | The following mortgage payment was excluded from DTI XXX #XXX with balance of $XXX and monthly payment of $XXX. Lender to provide supporting documentation for the exclusion. (Departure property) | 12/19/19 - Lender added debt and re-calculated income. Updated 1003 and 1008 provided. Back ratio now 27.26% | 12/19/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 713 qualifying score. Min required per guidelines is 660. | Client Complete |
| 442300 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | The following mortgage payment was excluded from DTI XXX #XXX with balance of $XXX and monthly payment of $2961. Lender to provide supporting documentation for the exclusion. (Departure property) | 12/19/19 - Lender added debt and re-calculated income. Updated 1003 and 1008 provided. Back ratio now 27.26% | 12/19/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 713 qualifying score. Min required per guidelines is 660. | Client Complete |
| 442300 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Credit/Mtg History | Satisfied | D A | D A | CRDCRMH183 | Credit report incomplete | No | Missing credit report with fico scores for both borrowers. Lender to provide credit report with fico scores. | 12/17/19 - Lender provided credit report. | 12/17/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 713 qualifying score. Min required per guidelines is 660. | Client Complete |
| 487434 | XXXXXX | XXXXXX | 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 | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 689 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 22.95%, max per guidelines is 43.00%. | Client Complete |
| 487434 | XXXXXX | XXXXXX | 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 | 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 | $400 refund due to Appraisal Field review fee added at closing without a valid reason, Missing CIC for Appraisal Field review or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 12.4.19 - Client provided CIC for increase in appraisal fee | 12.4.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 689 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 22.95%, max per guidelines is 43.00%. | Client Complete |
| 487434 | XXXXXX | XXXXXX | 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 | Assets | Satisfied | B A | B A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | $XXX reserves shortfall. Per guidelines, 3 months PITI ($XXX X XXX= $XXX) post-closing reserves required. File contains only $XXX post closing reserves. | 12/17/19 - Lender provided XXX balance as of 10/17/19. $XXX. XXX - 2 months account statements are required for reserves. Missing XXX September 2019 and full statement for month of October. 12/19/19 - Lender provided September 2019. Using Oct balance as updated balance. | 12/18/19 - Exception remains. 12/19/19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 689 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 22.95%, max per guidelines is 43.00%. | Client Complete |
| 487434 | XXXXXX | XXXXXX | 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 | Assets | Satisfied | C A | C A | CRDAST3036 | Assets reflect unsourced deposits | No | Missing source of funds for large deposit on 9/10 for $30,000 on 9/16 for $14,822.00 and on 9/24 for $20,000 XXX. Provide source of funds for $30,000, $14,822, and 20,000. | 12/6/19 - Lender provided proof of $30,000 deposit and $20,000 deposit. XXX - Exception remains for deposit of $14,822 on 9/16.12/17/19 - Lender provided copy of cancelled check and deposit slip for $14,822 | 12/9/19 - Exception remains. 12/18/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 689 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 22.95%, max per guidelines is 43.00%. | Client Complete |
| 487434 | XXXXXX | XXXXXX | 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 | Terms/Guidelines | Satisfied | B A | B A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing 1008 or lender approval indicating loan program. Lender to provide documentation to verify loan program type.(Achiever Expanded or XXX Prime Jumbo program) | 12/2/19 - Lender provided Correspondent Loan Submission form - XXX Prime. | 12/2/19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 689 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 22.95%, max per guidelines is 43.00%. | Client Complete |
| 198907 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied | D A | D A | CMPDOC806 | Notary Status is missing | No | Mortgage is missing Notary information | 12.18.19 - Client provided Notary page to mortgage | 12.18.19 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 701 qualifying score. Min required per guidelines is 600.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 42.03%; max allowed per guidelines is 80.00%. | Client Complete |
| 312650 | XXXXXX | XXXXXX | 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 | Ability to Repay/Qualified Mortgage | Waived | C B | C B | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No | Per guide minimum of $XXX residual income applies to primary and second home transactions and required for occupying borrowers. (XXX Prime Jumbo program). Doesnt meet guide. Residual Income is below requirement ($XXX) | 1/2/20 - Lender sent e-mail requesting breakdown of residual income. XXX - Used 12 mo deposit not business related deposits/12 XXX/12= $XXX/mo. Lender used $3764.71, therefore used more conservative income. $XXX PITI XXX- debts XXX =$XXXUsing higher income still short residual income. $XXX PITI XXX - debts XXX =$XXX.1/15/20 - Lender sent Exception Request for shortage of $XXX.XXX- Senior UW reviewed based on compensating factors exception deemed non-material. Low LTV 72.09%, same profession 10 years.1/21/20 - Lender provided Waiver for non-material. | 1/2/20 - Exception remains1/16/20 - Exception non-material1/21/20 - Exception Waived. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 685 qualifying score. Min required per guidelines is 660. | Client Complete |
| 169889 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been on the same professional for the past 15 years. Co - borrower has been on the same professional for the past 3 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 723 qualifying score. Min required per guidelines is 700. | Client Complete |
| 542501 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | B | A D | B | A | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 1.3.20 - HCO disclosure provided | 1.3.20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 9.4 years with current employer | Client Complete |
| 542501 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | B | A D | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 9.4 years with current employer | Client Complete |
| 542501 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | B | A D | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | XXX reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 9.4 years with current employer | Client Complete |
| 542501 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | B | A D | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B A | B A | CMPTRID3476 | TRID - Written List of Providers not provided or untimely | No | Written List of Providers not provided | 1.3.20 - Client provided SPL | 1.3.20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 9.4 years with current employer | Client Complete |
| 542501 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | B | A D | B | A | Credit | Assets | Satisfied | C A | C A | CRDAST3036 | Assets reflect unsourced deposits | No | Large deposit of $16,000 on 11/14 to XXX #XXX and $17,393.11 on 11/1 to XXX #XXX. Lender must provide documentation to verify source of deposits. | 2/11/20 - Lender response - The $XXX was a transfer from XXX #XXX, documentation provided 11/1 there was a deposit from XXX account where he sold stock. Proof of sale provided. | 2/11/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 9.4 years with current employer | Client Complete |
| 542501 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | B | A D | B | A | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | XXXX XXXX belongs to XXXX XXXX. Provide documentation to verify borrower has full access to funds. | 2/7/2020: Received access letter. | 2/7/2020: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 9.4 years with current employer | Client Complete |
| 542501 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | B | A D | B | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No | For all wage earner, 1099 and XXX income sources, the 4506-T must be fully completed and executed with the IRS. Missing 2018 IRS- W-2 transcripts. | 1/10/20 - Lender provided 2018 W-2 transcripts. | 1/10/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 9.4 years with current employer | Client Complete |
| 889462 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Satisfied | B A | B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per the Letter of Explanation, the Lease agreement required the borrower to pay the $XXX monthly rent in cash. Per guidelines, For housing and mortgage obligations that are not on the credit report: Must be verified with an institutional Verification of Mortgage (VOM), cancelled checks and/or bank statements for 12 consecutive months (if length of time in residence is less than 12 months, verify payments for the time period of occupancy and for previous residence, when applicable) ; or A Verification of Rent (VOR) is acceptable if completed by a property management firm. Private verifications (VOM or VOR) are not acceptable. | 3/23/20 - Lender response - Borrower qualifies under FTHB Rent-Free guideline due to being unable to verify cash rental payments. | 3/23/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been in the same line of profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Cash Reserves $XXX, 6 months PITI Reserves required Fully Amortized: $XXX\* 6 = $XXX | Complete |
| 294012 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No | Borrower short liquid cash-to-close $105,630.58 | 2/3/20 - Lender provided CD from sale of property indicating cash out for the amount of $122869.68. | 2/4/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Customer has 32 years in profession per 1003 application<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Customer has 33 years at current employer (per WVOE). | Client Complete |
| 294012 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing Terms of Withdrawal for XXX (XXX) held with XXX XXX. | 2/7/2020: Received T/C for 401K. | 2/7/2020: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Customer has 32 years in profession per 1003 application<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Customer has 33 years at current employer (per WVOE). | Client Complete |
| 294012 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied | D A | D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | 1. Subject Property: Missing effective date of VOM completed by the lender (box 14) and missing proof the account was current at the time of closing XXX- due for XXX per VOM. Per credit policy: Mortgage debt must be current at the time of application and remain paid as agreed through the date of closing. 2. Non-subject property: Missing 12mos including current month XXX satisfactory payments for primary residence XXX/ XXX is lender. | 2/4/20- 1. Lender provided VOM with effective date and payoff indicating Mortgage debt paid current at the time of application. Paid as agreed through the date of closing. 2/4/20- 2. Lender provided evidence of 12mos satisfactory payments for primary residence XXX | 2/4/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Customer has 32 years in profession per 1003 application<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Customer has 33 years at current employer (per WVOE). | Client Complete |
| 294012 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence of HOI/HOA for property located at XXXX XXXX XXXX. Property Tax Bill provided; however no evidence of HOI if any. 1003 shows monthly payment as $XXX however tax bill shows payment as $XXX | 2/3/20- Lender provided HOI for property located at XXXX XXXX XXXX and evidence of no HOA. | 2/4/20- Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Customer has 32 years in profession per 1003 application<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Customer has 33 years at current employer (per WVOE). | Client Complete |
| 429958 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | B | A C | B | A | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations. | 3.9.20 - Client provided HCO disclosure and list | 3.9.20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 49%, max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at the same residence for the past XXX years. | Complete |
| 429958 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | B | A C | B | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan approved Rate term refinance. Final CD dated XXX reflect XXX debt payoff with balance $1,203.27. Borrower received cash out, but debt payoff is still considered cash-out | 3/16/20 - Lender provided revised 1008 and 1003 reflecting cash-out. | 3/16/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 49%, max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at the same residence for the past XXX years. | Complete |
| 429958 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | B | A C | B | A | Credit | Title | Satisfied | C A | C A | CRDTIL100 | Potential title issue | No | Missing copy of lien/judgement from XXX and XXX $7,723.58(#12) paid off in full or released. (On Commitment for Title) | 3/12/20 - Lender provided Court Document showing Judgment for $XXX XXX XXX XXX. Judgments expire after XXX years. XXX - Exception remains for Missing copy of lien/judgement from XXX showing on title Commitment.3/19/20- Lender provided copy of lien/judgement from XXX Judgments expire after XXX years. | 3/12/20 - Exception remains3/18/20 - Exception satisifed. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 49%, max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at the same residence for the past XXX years. | Complete |
| 891328 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80 LTV; Program max 85 LTV with >55 DTI 12 XXX Bnk Stmts with mid score 767.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 767 mid fico score. Program min is 660 Fico. | Client Complete |
| 891328 | XXXXXX | XXXXXX | 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 | D A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Cert. | 01.28.2020 Client provided Flood Certification | 01.28.2020 XXX reviewed. Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80 LTV; Program max 85 LTV with >55 DTI 12 XXX Bnk Stmts with mid score 767.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 767 mid fico score. Program min is 660 Fico. | Client Complete |
| 891328 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Sept 2019 Bank statement in file does not reflect deposits of $XXX used by Lender on Income Worksheet. Provide bank statement | 2/5/20- XXXX account statement XXXX showing deposits of $XXX received. | 2/5/20- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80 LTV; Program max 85 LTV with >55 DTI 12 XXX Bnk Stmts with mid score 767.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 767 mid fico score. Program min is 660 Fico. | Client Complete |
| 281088 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX-employed with the same company for 18 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: The co-borrower has been XXX-employed with the same company for 18 years. | Client Complete |
| 833893 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing Terms of Withdrawal for 401K with XXX with XXX. | 2/21/20 - Lender provided Terms of Withdrawal. | 2/21/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 35.7%, max per guidelines is 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the same job for the past 16.1 years. Co-borrower has been on the same job for the past 18.3 years(not using income).<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 24-28 months when 12 months are required. | Client Complete |
| 833893 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing two consecutive months bank statements for XXX with balance $XXX. | 2/17/20 - Two months provided | 2/17/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 35.7%, max per guidelines is 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the same job for the past 16.1 years. Co-borrower has been on the same job for the past 18.3 years(not using income).<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 24-28 months when 12 months are required. | Client Complete |
| 833893 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied | N/A | N/A | CRDAST205 | Insufficient Funds to Close | No | Borrower is short liquid assets of $XXX | 2/21/20 - Lender provided Terms of Withdrawal. XXX- Proof of Liquidation not required as account balance has more than 20% of the amount due to close. | 2/21/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 35.7%, max per guidelines is 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on the same job for the past 16.1 years. Co-borrower has been on the same job for the past 18.3 years(not using income).<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 24-28 months when 12 months are required. | Client Complete |
| 806787 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof that the initial CD was received by borrower 3 days before consummation date of XXX. | 3.3.20 - Client provided Initial CD | 3.3.20 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been XXX in the same line of profession for 40 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has owned the current primary residence for XXX years. | Complete |
| 806787 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Application | Satisfied | D A | D A | CRDAPP130 | Application is incomplete | No | Add Rental property at XXX to the Schedule of REO on the application. | 3/3/20 - Lender provided updated 1003. | 3/3/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been XXX in the same line of profession for 40 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has owned the current primary residence for XXX years. | Complete |
| 668205 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX with the same company for 20 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been XXX in the same profession for 20 years. | Client Complete |
| 861230 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Guidelines require a maximum DTI of 50% for a loan amount <$1mm<85% LTV. The final DTI is 14.33% which is 35.67% points below the maximum DTI.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require a minimum credit score of 660 for a loan amount <$1mm<85% LTV and FICO >660<700. Final credit score of 673 is 13 points over the required minimum | Client Complete |
| 492663 | XXXXXX | XXXXXX | 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: Guidelines require a minimum credit score of 660 for a loan amount >$2mm<$3mm<80% LTV. Final credit score of 735 is 75 points over the required minimum<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Guidelines require a maximum DTI of 45% for a loan amount >$2mm<$3mm<80% LTV. The final DTI is 9.88% which is 35.12% points below the maximum DTI. | Client Complete |
| 137047 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | The borrower provided 24 months personal bank statements for XXX income as follows: XXX: $XXX total deposits - $XXX deposits = $XXX/24 = $XXX/month. XXX: $XXX total deposits - $XXX excluded = $XXX/24 = $XXX/month for a total of $XXX/month. The lender did not provided a 24 month bank statement calculator for XXX. The lender did not provide the income documentation to support the qualified with income of $XXX/month per the 1008 approval. | 2/26/20 - Lender removed account #XXX. Qualifying with #XXX only. Income used $XXX. Updated 1008 and 1003. | 2/26/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX with the same company for 20 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been XXX in the same line of work for 44 years. | Complete |
| 137047 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX with the same company for 20 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been XXX in the same line of work for 44 years. | Complete |
| 137047 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX with the same company for 20 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been XXX in the same line of work for 44 years. | Complete |
| 137047 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Credit | DTI | Waived | B | B | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | No documentation in file to support the omission of the Timeshare liability with XXX.Deemed non-material based on compensating factors. 20 years XXX, Low DTI 9.55% | 2/20/20 - Lender provided Waiver. | 2/20/20 - Exception deemed non-material2/21/20 - Exception Waived. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX with the same company for 20 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been XXX in the same line of work for 44 years. | Complete |
| 137047 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | The borrower provided 24 months personal bank statements for XXX: $XXX total deposits - $XXX deposits = $XXX/24 = $XXX/month. XXX: $XXX total deposits - $XXX excluded = $XXX/24 = $XXX/month for a total of $XXX/month. The lender did not provided a 24 month bank statement calculator for XXX. Per 1008 Approval the loan was qualified with income $XXX/month which is unsupported by the income documentation in file. | 2/26/20 - Lender removed account #XXX only. Income used $XXX. Updated 1008 and 1003. | 2/26/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX with the same company for 20 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been XXX in the same line of work for 44 years. | Complete |
| 137047 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Property Valuations | Property | Waived | B | B | PRVAPROP177 | Property Issues Indicated | No | Per the Appraisal the condo has 1 phase with 26 units rented and 264 units in the phase. Per the Condo Questionnaire the condo has 8 phases with 14 units rented and 32 units in the phase. Deemed non-material based on compensating factors. 20 years XXX, Low DTI 9.55% | 2/21/20 - Lender provided Waiver. | 2/20/20 - Exception deemed non-material 2/21/20 - Exception Waived. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX with the same company for 20 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been XXX in the same line of work for 44 years. | Complete |
| 228861 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Satisfied | B A | B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per guidelines-Housing and Mortgage Obligations - Must be verified with cancelled checks and/or bank statements for 12 consecutive months. 1. Missing copy of VOM or cancelled checks for 12 consecutive months from XXX. | 2/26/20 - Lender provided XXX history. | 2/26/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 17.66%, max per guidelines is 43%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 71.65%, max per guidelines is 90%.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been on the same professional for the past 15 years. | Complete |
| 587037 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing letter of explanation: A signed and dated Letter of Explanation (LOE) is required for all derogatory credit. Borrower has 2 collections reported (XXX $237, XXX $0) and one late payment reported (XXX #XXX). | 2/25/20 - Lender provided LOX from borrower. | 2/25/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Customer has 11years in her profession, which exceeds the minimum 2yrs.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 4 years at current residence, with no late payments. | Complete |
| 762582 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has been residing at the current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 6 months PITI Reserves required Fully Amortized: $XXX \* 6 = $XXX | Complete |
| 480958 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | CD XXX Other Costs Section H did not disclose seller paid real estate commission. However, fee can be sourced to seller CD. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 24.75%, max per guidelines is 50%.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for 82-99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX in reserves. 3 months PITI + 1month for add'l financed ($XXX x 4) = $XXXrequired. | Complete |
| 599344 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP130 | Application is incomplete | No | Missing updated final application include XXX with balance $XXX payment of $XXX (match with 1008). | 3/24/20 - Lender provided updated 1003. | 3/24/20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 6.72%, max per guidelines is 43%.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been on the same professional for the past 16 years. | Complete |
| 599344 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing copy of tax ,insurance, HOA(if applicable) to confirm escrows or verification of all PITIA components for XXX (spouse's mortgage) and $XXX used to qualify. | 3/24/20 - Lender provided proof of HOA $264. | 3/24/20 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 6.72%, max per guidelines is 43%.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been on the same professional for the past 16 years. | Complete |
| 531983 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Waived | B | B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Overdraft protection account must have a balance that exceeds the amount transferred for overdrafts. Exception approved for Overdrafts. Exception deemed non-material based on compensating factors FICO 760, 15 years 7 months XXX | 3/9/20 - Lender provided Waiver | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has owned the same company for 15 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been XXX in the same line of profession for 15 years. | Complete |
| 957206 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP130 | Application is incomplete | No | 1. Missing updated final 1003 to include XXX balance $142 and payment $33(per supplement credit dated 2/21/2020) 2. Missing updated 1008 to match debt balances per final 1003 vs. 1008($655) | 3/26/20 - Lender provided updated application. XXX - Exception # 1 satisfied. Exception # 2 remains updated 1008 to match 1003 debts. 3/31/20 - Lender provided updated 1008. | 3/30/20- Exception remains.3/31/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 19.44%(Q.R), max per guidelines is 53%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 67.30%, max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided at the same residence for the past XXX years | Complete |
| 957206 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No | Per guidelines-Job Gap-Gaps in employment in excess of 30 days during the past one (1) year requires a satisfactory letter of explanation.Missing copy of gap letter from XXX explain period between XXX through XXX | 3/25/20 - Lender response - Borrower is a XXX. The gap was due to summer break which is typical. The break coincides with a typical school year summer break. | 3/25/20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 19.44%(Q.R), max per guidelines is 53%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 67.30%, max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided at the same residence for the past XXX years | Complete |
| 564631 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Property Valuations | Property | Active | B | B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Acres 10.03. Max allowed 10 acres. E-mail approval in file. Exception deemed non-material based on compensating factors XXX 8 years, Credit score 774. 32 months reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 774. Min 720.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have $XXXin reserves. 6 months for subject $XXX\*6=$ XXX | Complete |
| 970996 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A B | B | A | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID | No | NMLS License verification found Loan Originator Name does not match ID, NMLS has middle name. | 7/5/18 - Lender provided copied of updated NMLS with name matching XXX. | 7/5/18 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves $XXX or 13.28 months in PITIA reserves. Guidelines require 3 months. Additional 1 month for REO XXX not paid as agreed or $XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 29.73% is below guideline requirements<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for the last 6 years | Client Complete |
| 597987 | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | QM: GSE Temporary - QM/SH D A | A | A D | A | A | Credit | Terms/Guidelines | Satisfied | N/A | N/A | CRDTER2548 | Missing AUS or AUS errors present | No | Transmittal Summary shows loan approved by LP. Missing LP Cert #XXX | 5/23/19 - Lender provided Streamlined Accept LP Cert . | 5/24/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 76.40%. Max 85%. | Client Complete |
| 597987 | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | QM: GSE Temporary - QM/SH D A | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated property valuation supporting the appraised value of $XXX. | 5/23/2019 Desk Review provided supports value with a 0% variance. | 5/23/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 76.40%. Max 85%. | Client Complete |
| 603117 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A B | B | A | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2704 | RESPA - List of homeowners counseling organizations not compliant | No | Unable to determine if the List of homeowners counseling organizations is compliant. The list is not provided. | 8/24/18 - Lender provided missing copy of the Homeownership Counseling Organization Lists. | 8/24/18 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves $29,574.52 or 7.09 months reserves. Guidelines require 3 months. | Client Complete |
| 976510 | XXXXXX | XXXXXX | 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 | A | 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 | No CD disclosed within 3 business days in file prior to closing date XXX. | 11/28/18 - Lender provided missing LE & CD's | 11/28/18 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $33,336.67 which is 10.52 months of PITI. Only requires 3 months [$3,169.05 x 3= $9,507.15].<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has worked at current job for over 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of XXX | Client Complete |
| 976510 | XXXXXX | XXXXXX | 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 | B A | B A | CMPTRID4299 | TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Non numerical error: CD XXX value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table value of $21,444.00 do not match LE XXX Calculating Cash to Close value of $20,897.00. Can be satisfied with subsequent CD within 60 days of transaction date. Missing the initial CD | 11/28/18 - Missing LE & Cd's provided. | 11/28/18 - Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $33,336.67 which is 10.52 months of PITI. Only requires 3 months [$3,169.05 x 3= $9,507.15].<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has worked at current job for over 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of XXX | Client Complete |
| 976510 | XXXXXX | XXXXXX | 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 | B A | B A | CMPTRID4309 | TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Non numerical error: CD XXX value for Cash to Close in the LE column of the CD's Calculating Cash to Close of $50,944.00 do not match LE XXX Calculating Cash to Close of $50,397.00. Can be satisfied with subsequent CD within 60 days of transaction date. Missing the initial CD. | 11/28/18 - Lender provided missing LE & CD's. | 11/28/18 - Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $33,336.67 which is 10.52 months of PITI. Only requires 3 months [$3,169.05 x 3= $9,507.15].<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has worked at current job for over 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of XXX | Client Complete |
| 976510 | XXXXXX | XXXXXX | 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 | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | No CD disclosure document within 3 business days in file prior to closing date XXX. Missing the initial CD | 11/28/18 - Lender provided missing initial CD. | 11/28/1/ - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $33,336.67 which is 10.52 months of PITI. Only requires 3 months [$3,169.05 x 3= $9,507.15].<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has worked at current job for over 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of XXX | Client Complete |
| 429556 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 60.61%; maximum LTV is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 769; requires 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 27.92 months of PITI. Only requires 3 months [$XXX x 3= $XXX]. | Client Complete |
| 829174 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Borrower affirmation. | 1/17/19 - Lender provided missing Borrower Affirmation. | 1/17/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves $10,106.24 or 6.72 months reserves. Guidelines require 3 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 23.48% is below guideline requirements<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for the last 4 years 6 months. | Client Complete |
| 696499 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | Non-Numeric Error: PCCD XXX Loan Costs Section B; Line 05 is missing the payee name. | 3/13/19 - Lender provided a Post Close CD with the Payee name completed in Loan Costs Section B, Line 5. | 3/13/19 - Exception satisfied to a B. | Hybrid | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 18 years at current job.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 27.61 months of PITI. Only requires 6 months [$XXX x 6= $XXX]. | Client Complete |
| 602760 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 18 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 772; requires 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 40.70 months of PITI. Only requires 6 months [$XXX x 6= $XXX]. | Client Complete |
| 707550 | XXXXXX | XXXXXX | 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: Credit score is 722; requires 680.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 15 years at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 155.07 months of PITI. Only requires 6 months [$XXX x 6= $XXX]. | Client Complete |
| 695083 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 50%; maximum LTV is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 779; requires 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 135.80 months of PITI. Only requires 3 months [$XXX x 3= $XXX]. | Client Complete |
| 266120 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied | D A | D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing documentation to confirm the satisfactory consecutive 12 month rent history in the 3 years prior to application. Per guideline requirements. | 2/21/19 - Lender provided copies of the monthly rental statements and bank statements reflecting payment of the rents. | 2/21/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX 7 years and 5 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Maximum DTI for the program is 43%, the borrowers are 5.42 below at 37.58% | Client Complete |
| 436076 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 25.32; maximum LTV is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 781; requires 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 161.81 months of PITI. Only requires 3 months [$XXX x 3= $XXX]. | Client Complete |
| 421753 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 65.79%; maximum LTV is 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 10 years at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 119.72 months of PITI. Only requires 3 months [$XXX x 3= $XXX]. | Client Complete |
| 816883 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D | A | A D | A | A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of P&I for REO XXX $XXX and REO XXX $XXX recently refinanced provide final CD to support monthly PITIA payments. | 3/20/19 - Lender provided the Notes for XXX and XXX verifying the monthly payments provided. | 3/20/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Original LTV / CLTV 71.43% guidelines allow to 75% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative Score / Tape 759 guidelines allow minimum of 720 for LTV applied.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves $XXX or 131.11 months reserves. Guidelines require 3 months. ($XXX X 3 =$XXX)Additional one month for REO XXX $XXX and REO XXX $XXX. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. Additional REO no liens. Total reserves required $XXX | Client Complete |
| 933334 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Original LTV / CLTV 45.77% guidelines allow to 80% LTV<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves $XXX or 76.42 months reserves. Guidelines require 3 months. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. | Client Complete |
| 496380 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A B | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B A | B A | CMPTRID3476 | TRID - Written List of Providers not provided or untimely | No | Written List of Providers not provided within 3 days of initial application date XXX | 3/6/19 - Lender provided copies of the Services Provider List issued within 3 days of application. | 3/6/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Original LTV / CLTV 69.22% guidelines allow to 90% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid score 741 exceeds guidelines allow minimum of 680 credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves $XXX or 16.68 months reserves. Guidelines require 3 months. Additional one month for REO XXX $XXX and REO XXX. $XXX. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. | Client Complete |
| 807457 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Borrower affirmation. | 2/20/19 - Lender provided copy of missing Borrower Affirmation. | 2/20/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Original LTV / CLTV 50.00% guidelines allow to 90% LTV<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Qualifying (Front/Back) 14.72% / 25.13% guidelines allow to DTI up to 50%; 55% with certain conditions<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves $XXXor 9.95 months reserves. Guidelines require 3 months. | Client Complete |
| 308142 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 5 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 694; requires 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 11.53 months of PITI. Only requires 6 months [$XXX x 6= $XXX]. | Client Complete |
| 991483 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Original LTV / CLTV 75.0% guidelines allow to 90% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves $XXX or 14.98 months reserves. Guidelines require 6 months. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 25 years 9 months<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned and resided in current primary residence for XXX years, to be rented out.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x53; guidelines require 0x30x24.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 724; guidelines require 680.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 13.63%; guidelines allow 43%. | Client Complete |
| 895740 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Borrower affirmation | 3/19/19 - Lender provided missing copy of the Borrower Affirmation. | 3/19/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Original LTV / CLTV 80.00% guidelines allow to 90% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves $XXX or 12.32 months reserves. Guidelines require 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 3 years at current job | Client Complete |
| 956960 | XXXXXX | XXXXXX | 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 | B | B | CMPTRID4377 | TRID - CD: Closing Disclosure contains conflicting loan attributes | No | Non-Numerical Error:Final CD XXX Loan Disclosures Section; Demand Feature does not have either box checked whether the loan does/does not have a demand feature. | 3/7/19 - Lender provided a Post Close CD with the Demand Feature marked. | 3/7/19 - Exception satisfied to a B. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 72.47%; maximum LTV is 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 29 years at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $ XXX which is 25.32 months of PITI. Only requires 3 months [$XXX x 3= $XXX]. | Client Complete |
| 956960 | XXXXXX | XXXXXX | 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 | C B | CMPTRID3730 | TRID - Error #2 discovered on Closing Disclosure | No | Non-Numerical Error:Final CD XXX Projected Payments; Other Box is marked and a description is missing. | 3/7/19 - Lender provided a Post Close CD with the Projected Payment box marked and description of the HOA included. | 3/7/19 - Exception satisfied to a B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 72.47%; maximum LTV is 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 29 years at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $ XXX which is 25.32 months of PITI. Only requires 3 months [$XXX x 3= $XXX]. | Client Complete |
| 991604 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at XXX years at residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score per guidelines is 680. Borrower's qualifying score is 704.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has excess assets in the amount of $XXX. | Client Complete |
| 200433 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Per guidelines minimum score for program is 620. Borrower's qualifying score is 655.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has post-closing assets in the amount of XXX. Per guidelines, borrower must have 3 months of PITI in reserves for subject. $XXXx 3=$XXX. | Client Complete |
| 198144 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score per guidelines is 620. Borrower's qualifying score is 674.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV per guidelines is 65%. Actual LTV is 28.57%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has excess reserves in the amount of $XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 1x30x36; guidelines allow 1x30x12. | Client Complete |
| 300674 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70%; guidelines allow 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: PITI of 110.66 exceeds required of 3 months..<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 753 exceeds required of 720<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years. | Client Complete |
| 354419 | XXXXXX | XXXXXX | 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: Borrower is required to have 3 months reserves $XXXX X 3 =$XXX, borrower has $XXX or 9.48 months in reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum required credit score is 620; qualifying credit score is 659<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV is 70% transaction LTV is 36.62%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max allowable DTI is 50%; transaction DTI is 39.20%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned and resided in subject residence for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x36; guidelines require 0x30x12. | Client Complete |
| 828476 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 18 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 40.02%; guidelines allow 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 8.88 months of PITI. Only requires 3 months [$XXX x 3= $XXX].<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of 680. Borrower has credit score of 741. | Client Complete |
| 974236 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x75; guidelines require 0x30x12.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV allowed per guidelines is 75%. Loan LTV is at 52.63%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 47.03 months of PITI. Only requires 3 months [$XXX x 3= $XXX]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of 720. Borrower has credit score of 760. | Client Complete |
| 662700 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 156.42 months of PITI. Only requires 3 months [$XXX x 3= $XXX]. Additional 1 months reserves required for REO XXX due less than 12 months mortgage payment history reported in file or $XXX. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: All borrowers must have a minimum credit score of 720. Borrower has credit score of 780.<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 during the past four years exceeding guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x35; guidelines require 0x30x12. | Client Complete |
| 840206 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves of $XXX or 102.06 months PITI reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative score of 781 exceeds guideline requirements<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 60% is below guideline requirements | Client Complete |
| 256630 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 45.03 months PITI exceeds required of 3 months.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 43.86% is less than required of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 764; guidelines require 720. | Client Complete |
| 299499 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 38.34 months PITI exceeds 3 months reserves.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 667; guidelines require 620. | Client Complete |
| 653386 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned and resided in primary residence for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x99; guidelines require 0x30x12.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Current 785 minimum 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX(114.22 months) Required $XXX<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrower has 99 months of mortgage history with excellent payment history | Client Complete |
| 414208 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower is required to have 3 months reserves $XXX x 3=$XXX, borrower has $XXX or 112.50 months in reserves; additional month reserves for each property < 12 months history: XXX $XXX. Leaves $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum required credit score is 680; qualifying credit score is 705<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x19; guidelines require 0x30x12. | Client Complete |
| 996516 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Current 702 minimum 680<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Current 39.74% max 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX (27.84 months) Required $XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned and resided in primary residence for XXX years. Has owned subject residence for XXXyears.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x24; guidelines require 0x30x12. | Client Complete |
| 563727 | XXXXXX | XXXXXX | 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: Current 707 minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Current 42.90% max 49%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Current 73.68% max 75%<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 9 years. | Client Complete |
| 498927 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned and resided in primary residence for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x24; guidelines require 0x30x12.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 38.21%; guidelines allow 50%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 58.62%; maximum LTV is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 649; requires 620.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXX which is 30.82 months of PITI. Only requires 3 months [$XXX x 3= $XXX]. | Client Complete |
| 494695 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower is required to have 3 months reserves $XXX x 3=$XXX, borrower has $XXX or 107.65 months in reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum required credit score is 720; qualifying credit score is 771<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x24; guidelines requires 0x30x12. | Client Complete |
| 961884 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned and resided in primary residence for XXXyears.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x82; guidelines require 0x30x12.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Current 762 minimum 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX (77.36 months) Required $XXX<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Several properties with more than 24 months excellent payment history | Client Complete |
| 486345 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified post closing assets of $ XXX or 115.35 months reserves.Guidelines required 3 months PITIA x $XXX = $ XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been in his current residence for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is 0x30x61; guidelines require 0x30x12. | Client Complete |
| 603180 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation, | 04.17.19 Updated value received, appraised value supported. | 04.17.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Current 26.49% max 49%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Current 732 minimum 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower's Post Close Assets are $XXX Required P&I Reserves are $XXX x 6 months P&I are $XXX | Client Complete |
| 903698 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 6.285% verse CA higher priced loan Benchmark rate of 4.650% for a variance of 1.635% equaling or exceeding the CA higher priced loan rate spread trigger of 1.5000% | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 30 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has positive mortgage payment history since 2002 | Client Complete |
| 903698 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CDs XXX, XXX and XXX- Other Costs, Section E Taxes and Other Govt. Fees: Recording Fee of $425.00 is missing itemization for Deed/Mortgage. | 4.19.19 Received PCCD from client. | 4.19.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 30 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has positive mortgage payment history since 2002 | Client Complete |
| 903698 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 04.23.19 Updated value received, appraised value supported. | 04.23.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 30 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has positive mortgage payment history since 2002 | Client Complete |
| 594495 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | B | B C A | B | B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 6.307 versus CA higher priced loan Benchmark rate of 4.680% for a variance of 1.627% exceeding the CA higher priced loan rate spread trigger of 1.50%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 728 qualifying score. Minimum required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 12.94 months P&I, guidelines required 12 months P&I.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 45.06%, maximum per guidelines is 49%. | Client Complete |
| 594495 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | B | B C A | B | B | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Gift Letter for $XXX from XXX. | 4.9.19 Received copy of Gift letter with all required information including Donor's phone number | 4.9.19 Exception Satisified | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 728 qualifying score. Minimum required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 12.94 months P&I, guidelines required 12 months P&I.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 45.06%, maximum per guidelines is 49%. | Client Complete |
| 594495 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | B | B C A | B | B | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3124 | Loan documents do not meet guideline requirements | No | Missing copy of HO-6 insurance policy. | 4.11.19 - Lender provided an explanation of Betterments and Improvements and a copy of the cert of property insurance. | 04.11.2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 728 qualifying score. Minimum required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 12.94 months P&I, guidelines required 12 months P&I.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 45.06%, maximum per guidelines is 49%. | Client Complete |
| 250902 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied | D A | D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing mortgage history on borrower's primary/rental property XXX | 4.24.19 Lender provided mortgage statement showing PITI of $XXX for XXX however still missing mortgage history as it is not reflected on cbr. 4.29.19 - lender responded This mortgage is not in the borrowers name, but we qualified her with the payment anyway since we used the rental income from the other units. No mortgage rating required, not the borrowers obligation. Mortgage statement shows not in borrower's name. | 4.24.19 Exception remains 4.29.19 - exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on same job for 17 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower at current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV per guidelines is 75%. Actual LTV is 70%. | Client Complete |
| 250902 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 04.19.19 Updated value received, appraised value supported. | 04.19.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on same job for 17 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower at current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV per guidelines is 75%. Actual LTV is 70%. | Client Complete |
| 158306 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D C | A | A D C | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Tape shows guides dated 02/20/19, 1008 shows guides used as 02/15/19. Please provide corrected tape or corrected 1008. Additional exceptions may apply. | 5.10.19 Lender provided updated 1008 | 5.10.19 Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co borrower has been XXX for 16 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 64.62% is less than required of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 801 exceeds required of 700 | Client Complete |
| 158306 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. Appraisal in file. | 05.06.19 Updated value received, appraised value supported. | 05.06.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co borrower has been XXX for 16 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 64.62% is less than required of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 801 exceeds required of 700 | Client Complete |
| 230253 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 6.349% verse CA higher priced loan Benchmark rate of 4.650% for a variance of 1.699% equaling or exceeding the CA higher priced loan rate spread trigger of 1.500%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 42% DTI is below maximum of 49%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO of 751 exceeds the minimum FICO of 700<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for over years | Client Complete |
| 230253 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | 04/17/2019 - Other Costs, Section H. Taxes and Other Govt. Fees: Recording Fee of $183.00 is missing itemization for Deed/Mortgage. | 4.30.19 Received PCCD from client. | 4.30.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 42% DTI is below maximum of 49%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO of 751 exceeds the minimum FICO of 700<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for over years | Client Complete |
| 348225 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D C A | C | B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 6.223% verse CA higher priced loan Benchmark rate of 4.520% for a variance of 1.703% equaling or exceeding the CA higher priced loan rate spread trigger of 1.5000% | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 99.76 months P&I exceed required of 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 777 exceed required of 640 | Client Complete |
| 348225 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section E Taxes and Other Govt. Fees: Recording Fee of $183.00 is missing itemization for Deed/Mortgage. | 5.13.19 Received PCCD from client. | 5.13.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 99.76 months P&I exceed required of 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 777 exceed required of 640 | Client Complete |
| 348225 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | 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 | Final CD XXX is the only CD in file. There is a XXX eSign Certificate for CDXXX on page 570 of the file. | 5.10.19 Received initial CD from client. | 5.10.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 99.76 months P&I exceed required of 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 777 exceed required of 640 | Client Complete |
| 348225 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final CD XXX is the only CD in file. There is a XXX eSign Certificate for CD XXX on page 570 of the file. | 5.10.19 Received initial CD from client. | 5.10.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 99.76 months P&I exceed required of 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 777 exceed required of 640 | Client Complete |
| 348225 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D C A | C | B | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Tape shows guides used dated 4/24/19, 1008 shows guides used 2/15/19. Please provide corrected tape or corrected 1008. Additional exceptions may apply. | 5.9.19 Lender provided updated 1008 | 5.9.19 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 99.76 months P&I exceed required of 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 777 exceed required of 640 | Client Complete |
| 348225 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D C A | C | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 05.03.19 Updated value received, appraised value supported. | 05.03.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 99.76 months P&I exceed required of 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 777 exceed required of 640 | Client Complete |
| 296918 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 6.710% verse CA higher priced loan Benchmark rate of 4.590% for a variance of 2.120% equaling or exceeding the CA higher priced loan rate spread trigger of 1.500%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: ltv of 45.80% is below the max ltv of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 755 exceeds the minimum fico of 650<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: dti of 39.52% is below the max dti of 49% | Client Complete |
| 296918 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4296 | TRID - CD: The final Total Payoffs and Payments of the CD Payoffs and Payments table does not match the total amount for Payoffs and Payments in the Calculating Cash to Close table | No | CD XXX - Calculating Cash to Close, Field: Total Payoffs and Payments (K) - Final, Value: $XXX does not match Payoffs and Payments, Field: Total Amount, Value: $XXX | 5.15.19 Received PCCD from client. | 5.15.19 Exception satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: ltv of 45.80% is below the max ltv of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 755 exceeds the minimum fico of 650<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: dti of 39.52% is below the max dti of 49% | Client Complete |
| 296918 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 05.20.19 Updated value received, appraised value supported. | 05.20.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: ltv of 45.80% is below the max ltv of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 755 exceeds the minimum fico of 650<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: dti of 39.52% is below the max dti of 49% | Client Complete |
| 387914 | XXXXXX | XXXXXX | 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 | C B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR - Expiration date 04/29/2019 on form prior to end of rescission period. | 5.9.19 Received PCCD from client | 5.9.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 55.81% is below the max LTV of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 794 exceeds the minimum fico of 650<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for 10 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at subject property for XXX years | Client Complete |
| 387914 | XXXXXX | XXXXXX | 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 | C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | The Disbursement date per the final CD isXXX. ROR Disbursement date is before the statutory recession period. | 5.9.19 Received PCCD from client | 5.9.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 55.81% is below the max LTV of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 794 exceeds the minimum fico of 650<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for 10 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at subject property for XXX years | Client Complete |
| 387914 | XXXXXX | XXXXXX | 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 | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 6.809% verse CA higher priced loan Benchmark rate of 4.520% for a variance of 2.289% exceeding the CA higher priced loan APR of 1.500%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 55.81% is below the max LTV of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 794 exceeds the minimum fico of 650<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for 10 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at subject property for XXX years | Client Complete |
| 387914 | XXXXXX | XXXXXX | 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 | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Tape shows guides dated 04/24/19, 1008 shows guides used as 01/28/19. Please provide corrected tape or corrected 1008. Additional exceptions may apply. | 5.13.19 Lender provided updated 1008 | 5.13.19 Exception remains | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 55.81% is below the max LTV of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: fico of 794 exceeds the minimum fico of 650<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for 10 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at subject property for XXX years | Client Complete |
| 337635 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 6.305% verse CA higher priced loan Benchmark rate of 4.590% for a variance of 1.715% equaling or exceeding the CA higher priced loan rate spread trigger of 1.5000% | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum required credit score is 700; qualifying credit score is 735<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max allowable DTI is 49%; transaction DTI is 39.31% | Client Complete |
| 337635 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | Numeric non-material error per final CD issued XXX Other Costs, Section E Taxes and Other Govt. Fees: Recording Fee of $183.00 is missing itemization for Deed/Mortgage. | 5.9.19 Received PCCD from client | 5.9.19 Exception satisfied. | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum required credit score is 700; qualifying credit score is 735<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max allowable DTI is 49%; transaction DTI is 39.31% | Client Complete |
| 337635 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR175 | Missing Review Appraisal required per guidelines | No | Missing field review as required by guidelines for 80% LTV. | 5.17.19 Lender provided field review. | 5.17.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum required credit score is 700; qualifying credit score is 735<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max allowable DTI is 49%; transaction DTI is 39.31% | Client Complete |
| 337635 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 05.08.19 Updated value received, appraised value supported. | 05.08.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum required credit score is 700; qualifying credit score is 735<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max allowable DTI is 49%; transaction DTI is 39.31% | Client Complete |
| 962819 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable C | A | A C B | A | A | Credit | Terms/Guidelines | Satisfied | A | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Loan approval in file are incorrect. 1008 reflects loan amount of $XXX, loan approval reflects loan $XXX, however note reflects loan amount of $XXX. | 5.22.19 Lender provided updated approval, and note which reflects $XXX and matches F1003, however there are 2 sets of documents with same date. One for XXX and another for $XXX. Please advice which set of documents is correct.5.28.19 Lender provided response and documentation which explains and supports correct This loan being for $XXX. | 5.28.19 Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower's Post Close Assets are $XXX or 13.87 months of P&IRequired P&I Reserves are $XXX x 6 = $XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI ratio allowed per guidelines is 49%. Loan DTI ratio is at 20.08%. | Client Complete |
| 962819 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable C | A | A C B | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 05.31.19 Updated value received does not support the appraise value. Field review recommended. | 05.31.19 Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower's Post Close Assets are $XXX or 13.87 months of P&IRequired P&I Reserves are $XXX x 6 = $XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI ratio allowed per guidelines is 49%. Loan DTI ratio is at 20.08%. | Client Complete |
| 962819 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable C | A | A C B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU153 | Value Not Supported | No | 05.31.19 Updated value received does not support the appraise value. Field review recommended. | 06.12.2019 - Lender provided appraisal update and UW comments for a desk review rebuttal. Desk review rebuttal has been ordered. 06.17.2019 - Desk Review rebuttal provided maintains the original value conclusion. Appraisal value is not supported.6.24.19 - lender provided field review supporting value | 6.12.19 - exception remains. 6.24.19 - exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower's Post Close Assets are $XXX or 13.87 months of P&IRequired P&I Reserves are $XXX x 6 = $XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI ratio allowed per guidelines is 49%. Loan DTI ratio is at 20.08%. | Client Complete |
| 626472 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D | A | A D C | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 05.31.19 Updated value received, appraised value supported. | 05.31.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 51.67%; maximum LTV 70%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 737; requires 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves verified in the amount of $XXXwhich is 102.23 months of PITI | Client Complete |
| 720277 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 6.378% verse CA higher priced loan Benchmark rate of 4.570% for a variance of 1.808% equaling or exceeding the CA higher priced loan rate spread trigger of 1.500%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit report of 697 exceeds the minimum fico of 660<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for over 3 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: borrower has resided at current residence for XXX years | Client Complete |
| 720277 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 05.31.19 Updated value received, appraised value supported. | 05.31.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit report of 697 exceeds the minimum fico of 660<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has been in profession for over 3 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: borrower has resided at current residence for XXX years | Client Complete |
| 879668 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 05.20.19 Updated value received, appraised value supported. | 05.20.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has excess assets in the amount of $XXX.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower at current address for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower in same profession for 9 years. | Client Complete |
| 354998 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D | A | A D | A | A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of PITI of primary residence that was refinance on 05.01.19. | 5.15.19 Lender provided payment letter for primary residence $2,143.39. | 5.15.19 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower's Post Close Assets are $XXX or 19.89 months of P&IRequired P&I Reserves are $XXX x 12 = $XXX<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has worked at current job for 20 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 739 credit score exceeds minimum of 700 per guidelines. | Client Complete |
| 717500 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for 15 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co borrower has been at current job for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 732 credit score exceeds minimum of 700. | Client Complete |
| 592410 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section E. Taxes and Other Govt. Fees: Recording Fee of $183.00 is missing itemization for Deed/Mortgage. | 05/24/2019 Received PCCD XXX from client. | 05/24/2019 - Exception satisfied. | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 734; requires 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%; maximum LTV is 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 4 years at current job. | Client Complete |
| 592410 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file. | 05/24/2019 Received Seller CD 0XXX from client. | 05/24/2019 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 734; requires 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%; maximum LTV is 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 4 years at current job. | Client Complete |
| 592410 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | N/A B | N/A B | CMPTRID3730 | TRID - Error #2 discovered on Closing Disclosure | No | Non-Numeric Material Error: PCCD XXX - Section Loan Disclosures, Box for "will not have an XXX account because" was checked without a reason chosen. | 05/28/2019 Received PCCD XXX from client. | 05/28/2019 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 734; requires 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%; maximum LTV is 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 4 years at current job. | Client Complete |
| 269397 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 6.181% verse CA higher priced loan Benchmark rate of 4.540% for a variance of 1.641% equaling or exceeding the CA higher priced loan rate spread trigger of 1.5000%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 795 credit score exceeds 720 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves of 16.24 months exceed 12 months guidelines | Client Complete |
| 269397 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | CD XXX - Other Costs, Section E. Taxes and Other Govt. Fees: Recording Fee of $333.00 is missing itemization for Deed/Mortgage. | 6/10/19 Lender provided correct PCCD XXX | 6/10/19 Exception satisfied | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 795 credit score exceeds 720 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves of 16.24 months exceed 12 months guidelines | Client Complete |
| 116330 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX 26 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 64.52% is 10.48% below maximum of 75% LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 763 exceeds minimum score of 680, 83 points.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 82 months mortgage history with no late pays. | Client Complete |
| 369666 | XXXXXX | XXXXXX | 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 | C B | CMPTRID3736 | TRID - Error #4 discovered on Closing Disclosure | No | The final CD dated XXX is missing page 3. | 08/26/2019 - Client provided CD dated 08/06/2019 | 08/26/2019 - Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Per 1003 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score exceeds guidelines: Per the matrix, the minimum credit score required was 680. The qualifying credit score for the borrowers was 721.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI below requirement: Per the matrix, the max DTI was 50.00%. The loan closed with a DTI of 43.85% | Complete |
| 369666 | XXXXXX | XXXXXX | 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 | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Three tradelines required by guidelines; borrowers have 2 open tradelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Per 1003 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score exceeds guidelines: Per the matrix, the minimum credit score required was 680. The qualifying credit score for the borrowers was 721.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI below requirement: Per the matrix, the max DTI was 50.00%. The loan closed with a DTI of 43.85% | Complete |
| 531320 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | Finance Charge Tolerance | Satisfied | B | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Numeric Material Error.The final CD in the file disclosed a Finance Charge of $XXX The fees disclosed on the final CD resulted in a calculated Finance Charge of $XXX The finance charges on the final CD were understated by $XXX Exception satisfied once tested against PCCD XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Per 1003 XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per 1003 10 years and 2 months. | Client Complete |
| 531320 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | Finance Charge Tolerance | Satisfied | B | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed | No | Numeric Material Error.The final CD in the file disclosed a Finance Charge of $XXX The fees disclosed on the final CD resulted in a calculated Finance Charge of $XXX. The finance charges on the final CD were understated by $XXX. Exception satisfied once tested against PCCD XXX | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Per 1003 XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per 1003 10 years and 2 months. | Client Complete |
| 723024 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | B | B D C A | B | B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | NMLS NO XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been employed by XXX for over 17 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided at subject property for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Current LTV is 67.59% below guideline maximum of 75% (0x30 mortgage payment history last 12 months. Full Doc Only) | Client Complete |
| 723024 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | B | B D C A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID5051 | TRID - CD: Inconsistency between the amounts disclosed for the Homeowners' Insurance premium in one or more sections of the CD | No | Numeric Non Material ErrorCD XXX, XXX, XXX - Other costs - section F prepaids - 12 months homeowners insurance collected disclosed as $933.00. Monthly hazard disclosed as $158.59 x 12 = $1903.08. This is a difference of $970.08. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been employed by XXX for over 17 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided at subject property for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Current LTV is 67.59% below guideline maximum of 75% (0x30 mortgage payment history last 12 months. Full Doc Only) | Client Complete |
| 723024 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | B | B D C A | B | B | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Verbal VOE indicates the borrower has been employed by XXX for only 4 months however the 1003 has 17 years and 4 months. Provide corrected VOE | 08/16/2016 lender response: Please see corrected Verbal VOE, file "XXX"08/162019 XXX reviewed lender response and corrected VVOE, dated 07/30/2019. | 08/16/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been employed by XXX for over 17 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided at subject property for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Current LTV is 67.59% below guideline maximum of 75% (0x30 mortgage payment history last 12 months. Full Doc Only) | Client Complete |
| 723024 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | B | B D C A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR175 | Missing Review Appraisal required per guidelines | No | Provide the updated valuation to support original appraised value of $XXX | 08/16/2019 lender response: Please see AVM, file "XXX"08/16/2019 XXX reviewed lender response, with AMV dated XXX, for $XXX valuation, and within tolerance. | 08/16/2219 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been employed by XXX for over 17 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided at subject property for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Current LTV is 67.59% below guideline maximum of 75% (0x30 mortgage payment history last 12 months. Full Doc Only) | Client Complete |
| 224385 | XXXXXX | XXXXXX | 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 | Texas Home Equity | Satisfied | C B | C B | CMPTXHE108 | TX Equity - Total fees greater than the allowable cap | No | Total adjusted charges are $32,733.00. Maximum allowable charges are $20400.00. Fees are in excess of the allowable in the amount of $12,333.00. Maximum charges allowed equal 2%. Total charges are 3.09%. This is over the allowable by 1.209% | 8/14/2019-Lender provided rate sheet to proof points reduced rate | 8/14/2019-Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for over 11 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Current LTV is 59.13% below guideline maximum of 75%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at primary for over 12 years | Client Complete |
| 224385 | XXXXXX | XXXXXX | 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 | Application | Satisfied | C A | C A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | File is missing the 3rd party fraud report - please provide | 08/08/2019 lender response: Please see FraudGuard, file "XXX" | 08/08/2019 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for over 11 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Current LTV is 59.13% below guideline maximum of 75%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at primary for over 12 years | Client Complete |
| 684405 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3706 | TRID - Curable Issue #1 related to the Closing Disclosure in file | No | CD XXX and PCCD XXX Seller CD discloses fees paid by seller that are not listed on borrower CD.Satisfy as seller CD provided. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 6 years<br>CFCFS2860: Good credit history<br> - XXX Comments: All creditors reflect paid as agreed in past 24 months<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Current LTV is 85% below guideline maximum of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Statements in file support $XXX less funds for closing $XXX= $XXX reserves. Reserves not required as LTV does not exceed 85% | Client Complete |
| 684405 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Application | Satisfied | C A | C A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | File is missing the 3rd party fraud report-please provide | 08/14/2019 lender response: Please see FraudGuard, file "XXX" | 08/14/2019 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 6 years<br>CFCFS2860: Good credit history<br> - XXX Comments: All creditors reflect paid as agreed in past 24 months<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Current LTV is 85% below guideline maximum of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Statements in file support $XXX less funds for closing $XXX= $XXX reserves. Reserves not required as LTV does not exceed 85% | Client Complete |
| 335470 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has verified post-closing reserves of $XXX. Per underwriter conditions, $XXX is required for 6 months subject PITI. | Client Complete |
| 991663 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Current DTI is 23.90% and Max DTI is 43%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in same profession for 15 years.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has good credit history with no lates reported. | Client Complete |
| 990984 | XXXXXX | XXXXXX | 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: Borrowers have verified post- closing reserves of $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 676 credit score exceeds guidelines of 640.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in current profession for 10 years. | Client Complete |
| 241761 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Active | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Minimum Loan Amount requirement is $XXX. Current loan amount is $XXX. Lender acknowledgement in the file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at primary for over 22 years<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for over 16 years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in XXX for 20 years | Complete |
| 739972 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Current LTV at 66.85% with max allowable at 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Verified $XXX. Required CTC $00. Cash to borrower $XXX Reserves at $XXX.No reserve requirement.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX with same business for 25 years. | Client Complete |
| 309916 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4299 | TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Numerical non material error- CD:XXX, Calculating Cash to Close (LE side) Total Closing Costs -$11,217.00, LE: XXX Calculating Cash , Total Closing Costs disclosed as $14,215 | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 37.55% LTV; Program max 90% LTV.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 23.40% DTI; Program max 43% DTI. | Complete |
| 309916 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4309 | TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Numerical non material error- CD:XXX, Calculating Cash to Close (LE side) Cash to Close $359,198.26, LE: XXX Calculating Cash , Cash to Close disclosed as $351,824 | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 37.55% LTV; Program max 90% LTV.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 23.40% DTI; Program max 43% DTI. | Complete |
| 882065 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4299 | TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Numeric Non Material ErrorLE: 08/15/2019-1 Calculating Cash To Close, disclosed as Total Closing Costs (J), Value $-49719CD: 08/20/2019 and 08/29/2019-1, Calculating Cash to Close, disclosed as Total Closing Costs (J) - Loan Estimate $-48958.00 | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have lived in subject property for over 14 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI 43%, borrowers DTI is 15.24%<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrowers have six open mortgages, all showing 0 late payments in the last 16 to 82 months reviewed | Client Complete |
| 882065 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4309 | TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Numeric Non Material ErrorLE: XXX Calculating Cash To Close, disclosed as Estimated Cash to Close $ XXX CD: XXX and XXX Calculating Cash to Close, disclosed as Cash to Close - Loan Estimate $XXX | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have lived in subject property for over 14 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI 43%, borrowers DTI is 15.24%<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrowers have six open mortgages, all showing 0 late payments in the last 16 to 82 months reviewed | Client Complete |
| 882065 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide evidence that the Lien with XXX has been released (cross collateral on Subject property, and XXX) with the payoff of $XXX at closing AND verification of the new loan terms, payment, balance and verification that this is an installment loan and not a mortgage | 09/11/2019 lender response: Please see Final Settlement Statements and new Notes for Subject, and XXX properties, along with a mortgage statement for XXX which covers all 3 properties. File "XXX".09/11/2019 XXX reviewed lender response, with documentation. | 09/11/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have lived in subject property for over 14 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI 43%, borrowers DTI is 15.24%<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrowers have six open mortgages, all showing 0 late payments in the last 16 to 82 months reviewed | Client Complete |
| 882065 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Copy of CD verifying mortgage/liens with XXX have been paid in full, and a copy of the Note for property located at XXX, new loan with Lender, #XXX | 09/11/2019 lender response: Please see Final Settlement Statement and copy of new Note for XXX09//11/2019 XXX reviewed lender response, with documentation. | 09/11/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have lived in subject property for over 14 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI 43%, borrowers DTI is 15.24%<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrowers have six open mortgages, all showing 0 late payments in the last 16 to 82 months reviewed | Client Complete |
| 882065 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | Title | Satisfied | C A | C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title shows in business name of XXX; need copy of title or warranty deed showing title was put back in borrowers name; Also, the title shows multiple mortgages, appears most were paid off with the most recent mortgages on title, but no title supplement provided (#19 & # 20) | 09/11/2019 lender response: Please see Transaction History Report showing title was put back in borrowers name, and evidence #19 & #20 are being released, file "XXX"09/11/2019 XXX reviewed lender response, with documentation. | 09/11/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have lived in subject property for over 14 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI 43%, borrowers DTI is 15.24%<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrowers have six open mortgages, all showing 0 late payments in the last 16 to 82 months reviewed | Client Complete |
| 102344 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have lived in their current primary residence for over XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrowers have been in the same profession for over 31 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Qualifying DTI is 26.14% and program limit is 50% | Client Complete |
| 729719 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | Non Numeric ErrorCD XXX and XXX - Other costs - Section F prepaids - Homeowners insurance premium does not list who fee is payable to. | (No Data) | (No Data) | Hybrid | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in current profession for 30 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 665 credit score exceeds guidelines of 640. | Client Complete |
| 729719 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Not all seller paid fees on borrower CD. Satisfied with seller CD provided. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in current profession for 30 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 665 credit score exceeds guidelines of 640. | Client Complete |
| 495625 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Missing a copy of the borrowers divorce decree and/or property settlement agreement | 09/11/2019 lender response: Please see divorce decree and revised loan approval with payment to ex-wife in the amount of $1,200 per month for 18mos added to the liabilities. File "XXX"09/11/2019 XXX reviewed lender response, with documentation. | 09/11/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves not required; cash proceeds $150,042.59, 61 months PITI<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Maximum DTI 50%, BORROWER DTI 36.37%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV 85%, borrower LTV 60.87%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been in current residence, subject, 21 years | Client Complete |
| 375910 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4281 | TRID - CD: The value for Closing Costs Financed in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Numeric Non Material ErrorLE: XXX Calculating Cash To Close, disclosed Closing Costs Financed (Paid from your Loan Amount) as $-11780CD: XXX Calculating Cash to Close, disclosed Closing Costs Financed - Loan Estimate as $0.00 | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 51.40%; max allowed per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 42.97%, and guideline max is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 745 qualifying score. Min required per guidelines is 680. | Client Complete |
| 375910 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4282 | TRID - CD: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Numeric Non Material ErrorLE: XXX Calculating Cash To Close, disclosed Down Payment/Funds from Borrower as $0CD: XXX Calculating Cash to Close, disclosed Down Payment/Funds from Borrower - Loan Estimate as $-24855.00 | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 51.40%; max allowed per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 42.97%, and guideline max is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 745 qualifying score. Min required per guidelines is 680. | Client Complete |
| 375910 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4299 | TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Numeric Non Material ErrorLE: XXX Calculating Cash To Close, disclosed Total Closing Costs (J) as $11780CD: XXX Calculating Cash to Close, disclosed Total Closing Costs (J) - Loan Estimate as $9039.00 | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 51.40%; max allowed per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 42.97%, and guideline max is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 745 qualifying score. Min required per guidelines is 680. | Client Complete |
| 375910 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4309 | TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Numeric Non Material ErrorLE: XXX Calculating Cash To Close, disclosed Estimated Cash to Close as $-24855CD: XXX, Calculating Cash to Close, disclosed Cash to Close - Loan Estimate as $9039.00 | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 51.40%; max allowed per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 42.97%, and guideline max is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 745 qualifying score. Min required per guidelines is 680. | Client Complete |
| 375910 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4310 | TRID - CD: The value for Funds for Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Numeric Non Material ErrorLE: XXX Calculating Cash To Close, disclosed - Funds for Borrower as -24855CD: XXX and 09/04/2019 Calculating Cash to Close, disclosed Funds for Borrower - Loan Estimate as $0.00 | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 51.40%; max allowed per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 42.97%, and guideline max is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 745 qualifying score. Min required per guidelines is 680. | Client Complete |
| 646163 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4285 | TRID - CD: The value for Loan Amount in the LE column of the CD's Calculating Cash to Close table (Alt Version) is different from the value disclosed on the last LE | No | Exception Satisfied with PCCD date XXX | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score required is 640 with current score at 670<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max allowable LTV is 80% with current at 56.49%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX for 30 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 5.59 with max at 50 | Client Complete |
| 646163 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4299 | TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Exception satisfied with PCCD dated XXX | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score required is 640 with current score at 670<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max allowable LTV is 80% with current at 56.49%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX for 30 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 5.59 with max at 50 | Client Complete |
| 646163 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4309 | TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Exception Satisfied with PCCD dated XXX | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score required is 640 with current score at 670<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max allowable LTV is 80% with current at 56.49%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX for 30 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 5.59 with max at 50 | Client Complete |
| 646163 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4312 | TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Exception Satisfied with PCCD dated XXX | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum credit score required is 640 with current score at 670<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max allowable LTV is 80% with current at 56.49%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX for 30 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 5.59 with max at 50 | Client Complete |
| 523056 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at present residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX for 42 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 64.12% is 20.88% lower than maximum LTV of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has verified post-closing reserves of $XXX. Per underwriter conditions, $XXX is required for 6 months subject PITI | Client Complete |
| 874526 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 81.60% LTV Program max 90% LTV.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 44.56% DTI; Program max 50% DTI. | Client Complete |
| 246223 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4281 | TRID - CD: The value for Closing Costs Financed in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Numeric Non Material ErrorCD XXX and XXX- Calculating Cash to Close (LE side) Closing costs financed (paid from your loan) disclosed as $0.00.LE Calculating Cash to Close - Closing costs financed (paid from your loan) disclosed as $20548. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per 1003 21.50 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Per 1003 XXX years. | Client Complete |
| 246223 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4309 | TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Numeric Non material ErrorCD XXX and XXX - Calculating Cash to Close (LE side) - Cash to Close disclosed as $18565LE Calculating Cash to Close - estimated cash to close disclosed as $1983.00 | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per 1003 21.50 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Per 1003 XXX years. | Client Complete |
| 246223 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | Non Material Numeric Error (1) CD 8/14/19, 8/19/19 and 8/26/19 Loan costs - section B - Appraisal fee do not list who fee is payable to. | (No Data) | (No Data) | Hybrid | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per 1003 21.50 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Per 1003 XXX years. | Client Complete |
| 246223 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4463 | TRID - Assumption selection on the CD does not match the clause in the mortgage. | No | Non Numeric ErrorCD XXX and XXX - Loan disclosure - assumption does not match note/rider. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per 1003 21.50 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Per 1003 XXX years. | Client Complete |
| 942716 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 48.33% is lower than the Program Guidelines of 80.00%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at the current residence.<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Borrower has reduced the monthly housing expense by $1,687.44.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has 21 months PITI reserves | Complete |
| 501284 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 37.20%; guidelines maximum 80.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves $XXX. Reserves are not required due to LTV.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been in job 25 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is a 730, guidelines minimum 725. | Complete |
| 408572 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 50%; guidelines maximum 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower has a mid credit score of 742; guidelines minimum 725.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of 6 years<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduction from $4195 to $3155.80 | Complete |
| 274984 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 51.22 is less than Max of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves $XXX or 100.07 months PITI. Reserves are not required due to LTV 51.22%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage Payment History on 0 x 30 for 28 months. Guidelines minimum 0 x 30 for 12 months.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided at current address for XXX years. | Complete |
| 769249 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX1 and completed on the old form FNMA 1003 07/05 and not on the new FNMA form dated XXX | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 50% MAX LTV 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower has a mid score of 770; minimum Credit Score for Credit Grade AAA of 750.<br>CFCFS2860: Good credit history<br> - XXX Comments: # of open tradelines 4credit line usage ratio 3.22%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 35.17%max DTI 50% | Complete |
| 496167 | XXXXXX | XXXXXX | 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 | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX FEMA Disaster- XXX | 10.05.2021- Lender provided PDI report which reflect roof damages. | 10.05.2021- Exception satisfied. New exception created PRVAFEMA181. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 37.91% is below guideline maximum DTI of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: fired in error<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves $XXX or 11.50 months PITI. Reserves are not required due to 75% LTV. | Complete |
| 496167 | XXXXXX | XXXXXX | 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 | N/A | N/A | PRVAFEMA181 | Natural Disaster Area, inspection indicates damage (Individual & Public) | No | PDI report reflect roof damage with tarp over it and 2 broken window cause by XXX. | 05/26/2022 lender provided Post Disaster Inspection Report | 05/26/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 37.91% is below guideline maximum DTI of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: fired in error<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves $XXX or 11.50 months PITI. Reserves are not required due to 75% LTV. | Complete |
| 743944 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 1003 and not on the new FNMA form dated 01/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 13 years..<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 47.45%; guidelines maximum LTV 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage Payment History 0 x 30 for 40 months; guidelines minimum 0 x 30 for 12 months. | Complete |
| 280513 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 91. AVM FSD of 9, exceeded max of 8. XXX order Desk Review on behalf of Client. | 01/20/2022- VRA Desk Review received from XXX supporting appraisal value. | 01/20/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 19 months when 12 months are required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 53.780%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for 66 months when 12 months are required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Complete |
| 269087 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 5 years 8 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 64.41%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 781 qualifying score. Min required per guidelines is 750. | Complete |
| 486795 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approval for Rate & Term Refinance. Lender approvals in the file are for Cash Out Refinance. With Borrower bringing funds to Closing, transaction is considered Rate & Term Refinance. | 05/02/2022 lender provided Updated UW Worksheet & Approval reflecting R/T refinance | 05/02/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 747 qualifying score. Min required per guidelines is 725. | Complete |
| 486795 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 62. AVM FSD of 38, exceeded max of 10. XXX order Desk Review on behalf of Client. | 05/04/2022- VRA Desk Review received from XXX supporting appraisal value. | 05/04/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 747 qualifying score. Min required per guidelines is 725. | Complete |
| 486795 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -30.26% variance with a value of XXX. A Desk Review is required. XXX order on behalf of client. | 05/04/2022- VRA Desk Review received from XXX supporting appraisal value. | 05/04/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 747 qualifying score. Min required per guidelines is 725. | Complete |
| 734258 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 7.87 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 63.16%; max allowed per guidelines is 65%. | Complete |
| 309941 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 86. AVM FSD of 14, exceeded max of 10. XXX order Desk Review on behalf of Client. | 06/08/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/08/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 60 months when 12 months are required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 69 months PITIA, guidelines required 0 months PITIA. | Complete |
| 309941 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -32.48% variance with a value of $XXX. and the OA value is $XXX. A Desk Review is required. XXX order on behalf of client. | 06/08/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/08/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 60 months when 12 months are required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 69 months PITIA, guidelines required 0 months PITIA. | Complete |
| 437419 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 794 qualifying score. Min required per guidelines is 750<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 72.62, guidelines required 6 months PITIA. | Complete |
| 684003 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D | A | A D | A | A | Credit | Assets | Satisfied | B A | B A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Asset documentation must, at a minimum, cover account activity for the most recent 60 consecutive days. Only one statement for period 01/19/19- 02/20/19 was provided for XXX. Provide an additional month consecutive statement. | 5/8/19 Client provided bank statement covering 12/20/18-1/18/19. | Condition satisfied. | (No Data) | Not Applicable | (No Data) | Complete |
| 684003 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable D | A | A D | A | A | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Per guidelines if a jointly held account with someone other than a co-borrower, clearly identify the borrower has authorized access to all of the funds. XXX account is jointly held and there is no co borrower on the loan. Access letter is required. | 5/13/19 Client provided the access letter for the XXX account. | Condition satisfied. | (No Data) | Not Applicable | (No Data) | Complete |
| 634195 | XXXXXX | XXXXXX | 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 | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. ATR/QM worksheet in file reflects Rebuttable Presumption however loan submitted as investment property Non QM. Lender to provide ATR QM worksheet that reflects N/A or Exempt status determination. | 5/14/19 Client provided non-qm determination. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at current job for 26 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has been at current job for 31 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been in current residence for XXX years. | Complete |
| 634195 | XXXXXX | XXXXXX | 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 | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | 1) CD: XXX [Last CD], Loan Costs not properly formatted due to missing Payee for Survey Fee in Section C.Provide PCCD, LOE and proof of delivery within 60 days of consummation to add Payee for Survey Fee in Section C.2) - CD: XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No- Seller-Paid Fee on Seller CD not indicated on Final CD; input as per Seller CD; Satisfied.Seller-Paid fees on Seller CD not indicated on Borrower Final CD; Charges were included in the fee testing with no violation; Satisfied. | 5/13/2019 Client provided updated CD XXX with correction to payee. Condition remains for LOE to Borrower for changes and proof of delivery. 5/15/2019 Client provided LOE and Shipping Label. | Condition Satisfied. | Hybrid | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at current job for 26 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has been at current job for 31 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been in current residence for XXX years. | Complete |
| 593271 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX year.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 70% is below required of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score of 682; guidelines minimum for Credit Grade BBB 675. | Complete |
| 801555 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified assets of $XXX with $XXX required to close results in reserves of $XXX, satisfying 12 month reserves requirement of $XXX for DSCR < 1.0.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 65% is below guideline maximum of 70%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per application borrower has been employed for 27.67 years. | Complete |
| 830414 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | Right of Rescission | Active | B | B | CMPROR118 | ROR - Disbursement date is on/before disclosed "midnight of" date | No | Disbursement date XXX end of rescission on ROR stated as XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 50% is below guideline maximum of 90%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 19.65% is below the guideline maximum of 50%<br>CFCFS2860: Good credit history<br> - XXX Comments: Credit Score of 759 is above the guideline minimum of 750<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Consumer time at current residence is over XXX years<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 during the past two years | Complete |
| 830414 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 open/active tradelines for 202 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 50% is below guideline maximum of 90%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 19.65% is below the guideline maximum of 50%<br>CFCFS2860: Good credit history<br> - XXX Comments: Credit Score of 759 is above the guideline minimum of 750<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Consumer time at current residence is over XXX years<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 during the past two years | Complete |
| 314764 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 5 years, since July, 2016.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession 43 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided at current/subject address for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower's LTV 40.12% is below guidelines 80.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower's credit history of 502 Months, exceeds guidelines. | Complete |
| 526871 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form XXX | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: 7 open tradelinesCredit Line Usage Ratio 22.30%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 45.65MAX LTV 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 25.50MAX DTI 50% | Complete |
| 526871 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approval for Rate & Term Refinance. Transaction is Rate and Term with Borrower paying off 1st mortgage, paying closing costs, and bringing $35,032.99 to closing. Lender approval in file is for Cash Out refinance. | 06/09/2021 Lender provided Updated UW & Approval reflecting Rate & Term. | 06/09/2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: 7 open tradelinesCredit Line Usage Ratio 22.30%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 45.65MAX LTV 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 25.50MAX DTI 50% | Complete |
| 949427 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form FNMA 1003 07/05 and not on the new FNMA form dated 01/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower has a mid score of XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 44.71max LTV 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 40.54%MAX DTI 50%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of 15.5 years | Complete |
| 949427 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH150 | Tradelines do not meet guidelines | No | Per guidelines; For LTVs less than or equal to 65%, three tradelines are required but only one (1) of the trade lines needs to be seasoned greater than two (2) years. Borrower has 2 open tradelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower has a mid score of XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 44.71max LTV 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 40.54%MAX DTI 50%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of 15.5 years | Complete |
| 949427 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Active | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Borrower's bank statement income based upon 5% Expense Factor, per CPA letter. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower has a mid score of XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 44.71max LTV 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 40.54%MAX DTI 50%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of 15.5 years | Complete |
| 252275 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 7/2005 and not on the new FNMA form dated 1/1/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 20 years..<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co borrower has been with current employer for 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 797 exceeded guidelines minimum for Credit Grade AAA of 750.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 50%; guidelines maximum 80%. | Complete |
| 252275 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC2488 | Verbal verification of employment missing | No | Missing VVOE within 72 hours of funding, for Co Borrower, XXX with XXX. | 07/09/2021 lender provided VVOE dated 05/18/2021 | 07/09/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 20 years..<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co borrower has been with current employer for 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 797 exceeded guidelines minimum for Credit Grade AAA of 750.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 50%; guidelines maximum 80%. | Complete |
| 883364 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | COC reflects LE's dated XXX & XXX was issued. Missing LE's dated XXX & XXX | 6.15.21 Client provided LE's dated XXX & XXX | 6.15.21 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for 50 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 34%max LTV 70%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has been XXX for 12 years. | Complete |
| 883364 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form FNMA 1003 07/05 and not on the new FNMA form dated 01/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for 50 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 34%max LTV 70%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has been XXX for 12 years. | Complete |
| 883364 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Application | Satisfied | D A | D A | CRDAPP2658 | Missing 3rd-party anti-fraud report | No | XXX DRIVE report dated 03/05/2021 does not include a check of the two Appraisers and two Appraisal firms. | 06/15/2021 lender provided XXX DRIVE Report, dated 06/14/2021. | 06/15/2021 exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for 50 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 34%max LTV 70%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has been XXX for 12 years. | Complete |
| 674969 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 7/2005 and not on the new FNMA form dated 1/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with current employer for 12 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: LTV 46.87%; guidelines max 75% | Complete |
| 323599 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | B | B A | B | B | Compliance | State Prepayment Penalty | Active | B | B | CMPSTPP303 | PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed | No | Prepayment Penalty Addendum does not have verbiage to exclude penalty if loan is paid by insurance proceeds. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower's credit score 663 exceeds guideline minimum 600 for qualifying credit grade B<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower's LTV 65.00% is below maximum guideline requirement of 75.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower's credit history of 88 Months, exceeds guideline requirement. | Complete |
| 323599 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | B | B A | B | B | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | FNMA 1003 Ver. 07/05 or Later: 1003 Form version used 05/20, effective 1/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower's credit score 663 exceeds guideline minimum 600 for qualifying credit grade B<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower's LTV 65.00% is below maximum guideline requirement of 75.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower's credit history of 88 Months, exceeds guideline requirement. | Complete |
| 668105 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | FNMA 1003 Ver. 07/05 or Later: 1003 Form version used 05/20, effective 1/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer has a good credit history of 512 Months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrowers credit score 738 exceeds guideline requirement 725.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for more than 28yrs.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for 28yrs. | Complete |
| 604922 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Final is on Form 07/05 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 50% is less than max of 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 66.76 months PITI. Required Reserves are 6 months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 795; guidelines minimum 750.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per CPA, Borrower has been XXX since 2017 | Complete |
| 664248 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | FNMA 1003 Ver. 07/05 or Later: 1003 Form version used 05/20, effective 1/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrowers credit history of 141 months exceeds guidelines.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower 1 has more than XXX yrs at current job.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has more than 12 yrs at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 46.19%; guidelines maximum 75%. | Complete |
| 851524 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 7/2005 and not on the new FNMA form dated 3/1/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per CPA letter, Borrower has been XXX since 2016, or for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Comp Factor added for Credit Score: Credit Score 697; guidelines minimum Credit Score for Credit Grade BBB 675.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 37.47 is 12.53 points below program maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 45.45%, program allows to 80%. | Complete |
| 976476 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | FNMA 1003 Ver. 07/05 or Later: 1003 Form version used 05/20, effective 1/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower's credit history of 227 Months, exceeds guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower's has a good credit history of 227Months. .<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower's credit score 809, exceeds guidelines 750.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 45.41%; guidelines maximum 70% LTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage Payment History 0 x 30 for 33 months. Guidelines minimum is 0 x 30 for 24 months. | Complete |
| 988453 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | Application missing middle name | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Housing expense reduced by $1,274.70 or 31.03%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 57.05% is below guideline maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 762 exceeds guideline minimum of 750. | Complete |
| 988453 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 7/2005 and not on the new FNMA form dated 3/1/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Housing expense reduced by $1,274.70 or 31.03%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 57.05% is below guideline maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 762 exceeds guideline minimum of 750. | Complete |
| 988453 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender loan approval for Rate & Term Refinance. Lender approval is for Cash Out and loan meets the guidelines definition for Rate & Term. Borrowers received $XXX at closing and meets guidelines for Rate & Term Refinance due to funds received are less than the greater of $XXX or 1% of the loan amount, $XXX | 06/02/2021 Lender provided updated ULAW and approval showing R/T refi. | 06/02/2021 exception satisfied. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Housing expense reduced by $1,274.70 or 31.03%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 57.05% is below guideline maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 762 exceeds guideline minimum of 750. | Complete |
| 556293 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Application date is XXX and the homeowners counseling organization list was sent on 3/26/21. | 5/24/2021: Lender provided the corrected Loan Approval with the correct application date of XXX | 5/24/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 10 years on the job<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years in the home | Complete |
| 556293 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application taken on XXX, however, the initial LE was sent on XXX | 5/24/2021: Lender provided the corrected Loan Approval with the correct application date of XXX | 5/24/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 10 years on the job<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years in the home | Complete |
| 556293 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Application | Active | N/A B | N/A B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 1003 and not on the new FNMA form dated 01/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 10 years on the job<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years in the home | Complete |
| 998593 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form FNMA 1003 07/05 and not on the new FNMA form dated 01/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified Assets of $XXX less Cash to Close $XXX= $XXX Reserves or 43.40 months PITI. Reserves are not required due to 50% LTV.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession of 32 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 32.11%, Max DTI 50%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 50%, MAX LTV 90% | Complete |
| 889122 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 7/2005 and not on the new FNMA form dated 3/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 649; guidelines minimum 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX or 34.34 months PITI. Reserves are not required due to 75% LTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Open mortgage account paid 0 x 30 for 99 months. Guideline minimum 12 months. | Complete |
| 139301 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form XXX | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: the borrower has a mid score of XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 44%; max LTV 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 38.47%; max DTI 50%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of 30 years | Complete |
| 139301 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Active | B | B | CRDINC150 | Income docs do not meet guidelines | No | Business Bank Statement Program applies 50% Expense Factor. CPA documentation included to support 20% max Expense Factor. Lender approved Exception to guidelines in file. 25% Expense factor used to qualify | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: the borrower has a mid score of XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 44%; max LTV 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 38.47%; max DTI 50%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of 30 years | Complete |
| 139301 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | According to lender guidelines, Section 3.31, with Cash Out of $6285.91, transaction is not Rate & Term Refinance, and is Cash Out Refinance. Provide lender approval for Cash Out Refinance. | 08/11/2021 lender provided Final approval and ULAW already showed as cash out | 08/11/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: the borrower has a mid score of XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 44%; max LTV 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 38.47%; max DTI 50%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of 30 years | Complete |
| 436946 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form FNMA 1003 07/05 and not on the new FNMA form dated 01/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 27.45%MAX DTI 50%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been in the same profession for 24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower has a mid credit score of 713; guidelines minimum 650 for Credit Grade BBB.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 50%MAX LTV 80% | Complete |
| 265497 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | FNMA 1003 Ver. 07/05 or Later: 1003 Form version used 05/20, effective 1/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current address for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower's credit score 818; guideline requirement 750.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower's LTV 48.53; guideline maximum 70.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower's credit history of 449 Months, exceeds guidelines. | Complete |
| 693663 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 7/2005 and not on the new FNMA form dated 3/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 4 years on the job<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has 0x30 in 57 months | Complete |
| 704511 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | XXX certs in file reflect LEs XXX and XXX were provided to borrower but these LEs are not in file. | 7/6/2021: Lender provided LEs XXX and XXX | 7/6/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Out Refinance. Verified assets of $XXX. Reserves not required at 65% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 65% is below guideline maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 35.02% is below guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 770 exceeds guidelines minimum for Credit Grade AAA of 750. | Complete |
| 704511 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | Application missing middle name | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Out Refinance. Verified assets of $XXX. Reserves not required at 65% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 65% is below guideline maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 35.02% is below guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 770 exceeds guidelines minimum for Credit Grade AAA of 750. | Complete |
| 704511 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 7/2005 and not on the new FNMA form dated 3/1/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Out Refinance. Verified assets of $XXX. Reserves not required at 65% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 65% is below guideline maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 35.02% is below guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 770 exceeds guidelines minimum for Credit Grade AAA of 750. | Complete |
| 907487 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | COC reflects LE dated XXX was issued. Missing LE dated XXX | 7/13/2021: Lender provided LE XXX | 7/13/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per VVOE, borrower has been working with current employer for 12 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for 24 years.. | Complete |
| 907487 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 7/2005 and not on the new FNMA form dated 1/1/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per VVOE, borrower has been working with current employer for 12 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for 24 years.. | Complete |
| 907487 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Terms/Guidelines | Active | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Exception in file for ITIN and lack of tradelines | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per VVOE, borrower has been working with current employer for 12 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for 24 years.. | Complete |
| 568435 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | COC reflects LE dated XXX was issued. Missing LE dated XXX | 8/4/2021: Lender provided LE XXX | 8/4/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 37.50%; guidelines maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 42.31% is less than required of 70%<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 6 years. | Complete |
| 568435 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 1003 and not on the new FNMA form dated 01/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 37.50%; guidelines maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 42.31% is less than required of 70%<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 6 years. | Complete |
| 568435 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Doc Type requires 24 months of Mortgage History. Borrower has 22 months reported on Credit Report. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 37.50%; guidelines maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 42.31% is less than required of 70%<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 6 years. | Complete |
| 900096 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 7/2005 and not on the new FNMA form dated 1/1/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years..<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 25 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 37.97%; guidelines maximum 80%. | Complete |
| 408252 | XXXXXX | XXXXXX | 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 | C B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the XXX Calculated Total Payment Amount | No | Final CD: XXX, Section: Loan Calculation; Total of Payments has a value of $1998076.18. Review Calculation has a value of $1998498.68. Difference of $422.50 due to the Title-Lender Coverage and Title-Subescrow Fee increases on PCCD XXX | 7/15/2021: Lender responded that "the difference in the TOP is due entirely from changes in costs levied by the title company, and as they are controlled by the title company, chosen by the borrower, they are not subject to tolerance. Being that the only change in TOP comes from fees whose amounts are subject to change, we cannot keep the TOP from changing with it"After review from Sr. Compliance exception is valid. The fees in sections A-C must be included, actual amounts paid by borrower, and there is a $35 tolerance for rescindable transactions.38(o)(1) Total of payments.1. Calculation of total of payments. The total of payments is the total, expressed as a dollar amount, the consumer will have paid after making all payments of principal, interest, mortgage insurance, and loan costs, as scheduled, through the end of the loan term. The total of payments excludes charges that would otherwise be included as components of the total of payments if such charges are designated on the Closing Disclosure as paid by seller or paid by others.Exception remains.7/22/2021: Lender responded "Increase was due to change in Lender coverage after initial CD and consummation CD due to final settlement statement, which is within tolerance. Signed consummation CD:XXX Final settlement statement received for PFCD: XXX PFCD issued: XXX Disbursement date of XXX"After review from Sr. Compliance exception is still valid. The fees in sections A-C must be included, actual amounts paid by borrower, and there is a $35 tolerance for rescindable transactions.38(o)(1) Total of payments.1. Calculation of total of payments. The total of payments is the total, expressed as a dollar amount, the consumer will have paid after making all payments of principal, interest, mortgage insurance, and loan costs, as scheduled, through the end of the loan term. The total of payments excludes charges that would otherwise be included as components of the total of payments if such charges are designated on the Closing Disclosure as paid by seller or paid by others.Exception remains.8/26/2021: Lender provided PCCD XXX, LOX, copy of refund check for $422.50 proof of delivery and re-opened rescission. Exception will satisfy after the end of the new rescission period. | 8/30/2021: Exception satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 20 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current address for XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history 0 x 30 for 42 months with current lender; guidelines minimum 0 x 30 for 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score of 738 exceeds guide line minimum of 725<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 42.21% exceeds guide line maximum of 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 23.20% is below guide line maximum of 50%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer has 6 open trade lines for 443 months which exceeds guide line of 2 open trade lines for 24 months<br>CFCFS2860: Good credit history<br> - XXX Comments: Credit score of 738. Credit report with a mortgage rating of 0x30, no BKs or foreclosures, and an LTV of 42.21% met the AA Credit Grade requirements | Complete |
| 408252 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken and completed on the old form and not on the new FNMA form | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 20 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current address for XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history 0 x 30 for 42 months with current lender; guidelines minimum 0 x 30 for 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score of 738 exceeds guide line minimum of 725<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 42.21% exceeds guide line maximum of 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 23.20% is below guide line maximum of 50%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer has 6 open trade lines for 443 months which exceeds guide line of 2 open trade lines for 24 months<br>CFCFS2860: Good credit history<br> - XXX Comments: Credit score of 738. Credit report with a mortgage rating of 0x30, no BKs or foreclosures, and an LTV of 42.21% met the AA Credit Grade requirements | Complete |
| 408252 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Application | Satisfied | D A | D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing third party fraud report | 07/01/2021 lender provided XXX DRIVE report, dated XXX. | 07/01/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 20 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current address for XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history 0 x 30 for 42 months with current lender; guidelines minimum 0 x 30 for 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score of 738 exceeds guide line minimum of 725<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 42.21% exceeds guide line maximum of 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 23.20% is below guide line maximum of 50%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer has 6 open trade lines for 443 months which exceeds guide line of 2 open trade lines for 24 months<br>CFCFS2860: Good credit history<br> - XXX Comments: Credit score of 738. Credit report with a mortgage rating of 0x30, no BKs or foreclosures, and an LTV of 42.21% met the AA Credit Grade requirements | Complete |
| 913673 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 1003 07/2005 and not on the new FNMA form dated 3/1/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has reserves of $XXX. Reserves are not required due to 65% LTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has a 0x30 in the last 31 months on primary. Guidelines minimum 0 x 30 for 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 674; guidelines minimum 650. | Complete |
| 552463 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 1003 XXX | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history on primary mortgage 0 x 30 for 31 months. Guidelines minimum 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score of XXX | Complete |
| 455190 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | Ability to Repay/Qualified Mortgage | Active | B | B | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No | Residual Income is $1,980.27. Lender's guidelines require Residual Income of $2,000, based on borrowers with 6 dependent family members. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 6 years..<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 75%; guidelines maximum of 90%. | Complete |
| 643247 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | FNMA 1003 Ver. 07/05 or Later: 1003 Form version used 05/20, effective 1/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for more than XXX yrs.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrowers credit history of 186 Months, exceeds guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrowers credit score 811 exceeds guideline minimum 750 for qualifying credit grade AAA.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower's LTV 51.82% is below guideline maximum (80.00%).<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage Payment History of 0 x 30 for 99 months. Guidelines minimum Mortgage Payment History 0 x 30 for 12 months. | Complete |
| 415322 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Per COC and XXX cert in file, an LE was provided to borrower after first rate lock on 4/22/2021 but that LE is not in file. | 8/6/2021: Lender provided LE XXX | 8/6/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 41.19% is below Program Guidelines of 50.00%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 38.43 is lower than the Program Guidelines of 80.00%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has 48 months PITI reserves. Reserves are not require due to LTV | Complete |
| 879421 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form FNMA 1003 07/05 and not on the new FNMA form dated 01/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower has a mid credit score of 745; minimum 725.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 47.04%; max LTV 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 24.80%; max DTI 50% | Complete |
| 167715 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4027 | TRID - CD: The P&I Payment on the Loan Terms section of Final Closing Disclosure does not match the initial Note P&I | No | CD XXX1 Loan Terms, Period Principal & Interest is disclosed as $6760.78, Note Principal and Interest is $6761. Corrected on PCCD XXX | (No Data) | Satisfied since corrected on PCCD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 19.86% is below Program Guidelines of 50.00%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has 67 months PITI reserves | Complete |
| 167715 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 1003 07/2005 and not on the new FNMA form dated 3/1/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 19.86% is below Program Guidelines of 50.00%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has 67 months PITI reserves | Complete |
| 167715 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No | Missing 2020 K1, from XXX, estimated to be for $1,090,054, based on other documentation in the file. Subject to requalification. | 07/07/2021 lender provided Missing 2020 K-1. | 07/07/2021 exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 19.86% is below Program Guidelines of 50.00%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has 67 months PITI reserves | Complete |
| 409499 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | FNMA 1003 Ver. 07/05 or Later: 1003 Form version used 05/20, effective 1/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 779; guidelines minimum for Credit Grade AAA of 750.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrowers credit history of 284 months exceeds guideline requirement.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for more than 16yrs.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrowers LTV is 65% below the maximum guideline requirement of 90%. | Complete |
| 315676 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | FNMA 1003 Ver. 7/05 used; Application date XXX and new FNMA Ver. 1/2021 should have been used. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 794, min 750<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 33.26%, max 50%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 65%, max 90% | Complete |
| 845743 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Loan Approval App date is disclosed as XXX, the earliest LE in file is dated XXX | 7/16/2021: Lender provided initial LE XXX | 7/16/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 7 years at the current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.81% is below Program Guidelines of 50.00%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 7 years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has 42 months PITI reserves; | Complete |
| 845743 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 1003 07/2005 and not on the new FNMA form dated 3/1/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 7 years at the current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.81% is below Program Guidelines of 50.00%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 7 years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has 42 months PITI reserves; | Complete |
| 845743 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | # of Tradelines Does Not Meet Guideline Requirements | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 7 years at the current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.81% is below Program Guidelines of 50.00%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 7 years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has 42 months PITI reserves; | Complete |
| 688495 | XXXXXX | XXXXXX | 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 | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR in file is missing the expiration date. Reopen Rescission and provide borrower with entire Three (3) Day rescission period | 9/2/2021: Lender provided new ROR with rescission expiration of XXX. Exception will satisfy after the end of the new rescission period. | 9/7/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 41.98% is lower than the Program Guidelines of 75.00%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 7 years in their profession. | Complete |
| 688495 | XXXXXX | XXXXXX | 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 | C B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the XXX Calculated Total Payment Amount | No | Final CD: XXX, Loan Calculation, Section Total of Payments, CD States $298,678.54, Calculation $298,745.87 - Under Disclosed amount of -$67.33. The Title- Lender Coverage fee increased on PCCD XXX1. | 9/2/2021: Lender provided LOX, PCCD XXX, refund check for $222.50, proof of delivery and new ROR with rescission expiration of XXX. Exception will satisfy after the end of the new rescission period. | 9/7/2021: Exception satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 41.98% is lower than the Program Guidelines of 75.00%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 7 years in their profession. | Complete |
| 796266 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 1003 07/2005 and not on the new FNMA form dated 3/1/2021. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 12 years at the current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 7.21% is below Program Guidelines of 50.00%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 12 years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has 176 months PITI reserves | Complete |
| 796266 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | # of Tradelines Does Not Meet Guideline Requirements | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 12 years at the current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 7.21% is below Program Guidelines of 50.00%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 12 years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has 176 months PITI reserves | Complete |
| 850310 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | FNMA 1003 Ver. 07/05 or Later: 1003 Form version used 05/20, effective 1/2021 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower's LTV 64.78%, Guideline maximum LTV 90.00%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower's credit history of 221 Months exceeds guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower's credit score 806; guideline minimum 750.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 14 yrs in profession. | Complete |
| 326308 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | The borrower owns 5 properties, 2 properties are mortgaged with XXX and 1 of those are a primary residence. Per guidelines, the max number of mortgaged properties with the same lender is 4 and one has to be owner occupied | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 56.50%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 786 qualifying score. Min required per guidelines is 750 | Complete |
| 326308 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Missing Final signed Settlement Statement. | 1.6.2022- Lender provided Final HUD-1 | 1.6.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 56.50%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 786 qualifying score. Min required per guidelines is 750 | Complete |
| 326308 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approval for Rate & Term Refinance. Terms of loan qualify as Rate & Term Refinance and lender approvals indicate Cash Out Refinance. | 01/12/2022 lender provided Updated UW Worksheet & Approval reflecting R/T Refi | 01/12/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 56.50%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 786 qualifying score. Min required per guidelines is 750 | Complete |
| 703163 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 7 years and 8 months.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 29 months mortgage history with no late pays.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 38.93% is 11.07% below maximum DTI of 50%.<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Housing expense is reduced from $17,378 to $14,858.32. | Complete |
| 668742 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 85. AVM FSD of 15, exceeds max of 10. XXX ordered Desk Review on behalf of Client. | 12/31/2021 VRA Desk Review received from XXX supporting appraisal value. | 12/31/2021 | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 69.57%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 782 qualifying score. Min required per guidelines is 750<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for 15 years and 8 months | Complete |
| 668742 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -33.33% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX ordered on behalf of client. | 12/31/2021 VRA Desk Review received from XXX supporting appraisal value. | 12/31/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 69.57%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 782 qualifying score. Min required per guidelines is 750<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for 15 years and 8 months | Complete |
| 110321 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 81. AVM FSD of 19.3, exceeded max of 13. XXX order Desk Review on behalf of Client. | 01/14/2022- VRA Desk Review received from XXX supporting appraisal value. | 01/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 18 years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified at $XXX plus cash to borrower $XXX equals $XXX or 138.17 months PITIA. No reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: MAX LTV: 80% LTV: 23.110% | Complete |
| 162104 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history on subject property 0x30x39, GL require 0x30x12<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 24.32 mo. PITI, reserves not required due to XXX% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 59.46%, Max 75%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months ownership at current residence | Complete |
| 324779 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 01/14/2022- VRA Desk Review received from XXX supporting appraisal value. | 01/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years ownership at primary residence<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 58.07 LTV below guideline requirements 70% max<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrowers do not have any major mortgage related occurrences during past two years. Support by credit report and VOMs in file. | Complete |
| 845833 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 01/14/2022- VRA Desk Review received from XXX supporting appraisal value. | 01/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 19 Years ownership at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 62.60%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 795 qualifying score. Min required per guidelines is 750. | Complete |
| 341437 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Insurance | Active | B | B | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard insurance Coverage Cov A 999,000 + Addl 99,000 + Cov B 99,900 + addl 9,990 = Total Coverage $$1,208,790 does not cover Loan Amount $XXX or Total Estimated cost New $2,260,730 from Appraisal; Lender to provide evidence of GRC coverage, Increased dwelling to cover Loan Amount or Insurance Providers Replacement Cost Estimate used to calculate current coverage. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 168.15 mo. PITI. No reserves required due to 62.63% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 62.63%, Max 85%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 23.32%, Max 50%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 6 years in line of work. | Complete |
| 169434 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing 3rd Party Fraud Report; Lender to provide | 12/27/2021 lender provided third party fraud report | 12/27/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV: 60%, Max 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 802, min 750 | Complete |
| 169434 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 91. AVM FSD of 9, exceeded max of 8. Desk Review is required. XXX ordered on behalf of client. | 05/05/2022- VRA Desk Review received from XXX supporting appraisal value. | 05/05/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV: 60%, Max 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 802, min 750 | Complete |
| 781716 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | Right of Rescission | Active | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXXs view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 32.34%; max allowed per guidelines is 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 37.94%, max per guidelines is 50%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been employed with XXX for 19.90 years. | Complete |
| 781716 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | The borrower has 1 open tradeline; per guidelines a minimum credit depth of three acceptable tradelines are required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 32.34%; max allowed per guidelines is 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 37.94%, max per guidelines is 50%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been employed with XXX for 19.90 years. | Complete |
| 781716 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | Terms/Guidelines | Active | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Transaction is a Rate/Term Refinance, borrower received $XXX cash in hand, GL state Incidental Cash Out on a R/T refi borrower may receive $XXX or 1% of the Loan Amount, which ever is greater, LA $XXX > would be $XXX, but not to exceed $5000. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 32.34%; max allowed per guidelines is 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 37.94%, max per guidelines is 50%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been employed with XXX for 19.90 years. | Complete |
| 781716 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value. AVM order on behalf of client. | 1.10.2022- AVM provided supporting appraisal value | 1.10.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 32.34%; max allowed per guidelines is 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 37.94%, max per guidelines is 50%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been employed with XXX for 19.90 years. | Complete |
| 835059 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value. XXX ordered on behalf of client. | 12/22/21 XXX received XXX AVM | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 26.50%, Max 75% | Complete |
| 835059 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score 77. AVM FSD of 22.9, exceeds Max of 13. XXX ordered Desk Review on behalf of client. | 12/31/2021 CDA Desk Review received from XXX supporting appraisal value. | 12/31/2021 exception cancelled | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 26.50%, Max 75% | Complete |
| 988982 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Application | Active | B | B | CRDAPP2418 | Ownership history inaccurate / incomplete | No | Borrower is purchasing his 5th Condotel in the same complex XXX state Adjoining properties or units in the same condominium complex ar limited to a maximum of two (2) loans. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves are $XXX or 215.13 mo. PITIA, reserves not required due to 75% LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 771, min 750 | Complete |
| 988982 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Credit/Mtg History | Active | C B | C B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Exception was requested that borrower be approved 5 loans, no approval from senior manager approved the request. This loan is the 5 Lender loan, max is 4 and 1 must be a primary residence. Borrower primary residence is Free & Clear. Lender to provide missing approval for 5 lender loans. | 1/5/21 Exception Approval in file uploaded reflecting approval for submitting the loan sent by XXX | 1/5/21 Upon further by XXX SR UW, exception considered Non Material; Final Grade B, with comp factors applied Credit score and Reserves. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves are $XXX or 215.13 mo. PITIA, reserves not required due to 75% LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 771, min 750 | Complete |
| 988982 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value. XXX ordered on behalf of client | 12/31/2021 CDA Desk Review received from XXX supporting appraisal value. | 12/31/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves are $XXX or 215.13 mo. PITIA, reserves not required due to 75% LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 771, min 750 | Complete |
| 826503 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV: 64.400%, Max 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 111.39 mo. PITIA, reserves not required due to 64.40% LTV. | Complete |
| 806140 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -12.63% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX ordered on behalf of client | 03/07/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/07/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score. Min required per guidelines is XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $16,155.84 or 17.45 months PITIA, guidelines required 12 months PITIA. | Complete |
| 776896 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned present residence for XXX years and 7 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 13 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Co-borrower has been with same employer for 13 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 773 exceeds the minimum credit score of 750, 23 points.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 62.13% exceeds the maximum LTV of 80%, 17.87%.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 99 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified assets $XXX/152.45 months reserves. No reserves require | Complete |
| 328620 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 21 months mortgage history with no late pays.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 784 exceeds minimum credit score of 750, 34 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-closing cash reserves $XXX/75.26 months reserves. 12 months reserves required (DSCR less than 1.0 and LTV > 70%) | Complete |
| 778346 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 66 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 784 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 59.68 months PITIA, guidelines require 12 months PITIA. | Complete |
| 911507 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 65% LTV Below requirements 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 777 Credit score exceeds guidelines of 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves $XXX or 86.33 months reserves | Complete |
| 387248 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 04/20/2022- VRA Desk Review received from XXX supporting appraisal value. | 04/20/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 692 qualifying score. Min required per guidelines is 675.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Complete |
| 634252 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Guidelines require 3 open tradelines. Borrower has 1 open tradeline. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of $XXX, or 11.67 months PITI. Reserves are not required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at the current residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 60.00% is lower than the Program Guidelines max of 80%. | Complete |
| 634252 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR4789 | Appraisal Deficiency | No | Missing bottom portion of the appraisal is missing. Many comments and the Projected rent from the Rent Schedule are missing. | 01/11/2022 lender provided complete appraisal | 01/11/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of $XXX, or 11.67 months PITI. Reserves are not required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at the current residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 60.00% is lower than the Program Guidelines max of 80%. | Complete |
| 284545 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 50. AVM FSD of 50, exceeded max of 10. XXX order Desk Review on behalf of Client. | 04/18/2022- VRA Desk Review received from XXX supporting appraisal value. | 04/18/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified at $XXX less cash from borrower $XXX equals Reserves $XXXor 32.77 months PITIA. 12-months negative rent reserves required due to DSCR < 1. $XXX x 12 equals $XXX total reserves required. | Complete |
| 121148 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close assets of $$XXX or 16.23 months reserves. Reserves are not required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence | Complete |
| 240964 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 109.74 months PITIA reserves | Complete |
| 953734 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Loan Program "BBB" with a DSCR < 1 requires 12 mo. Neg. Cash flow reserves, calculation: $XXX- $XXX = ($XXX) x 12 = $XXX required reserves. Current verified reserves are $XXX - $XXX = reserve shortage of $XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history 0x30x45, Max 0x30x12<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years ownership at current residence | Complete |
| 953734 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation ordered by XXX 1/11/2022 | 1/12/22 AVM received supporting appraised value | 1/12/22 Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history 0x30x45, Max 0x30x12<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years ownership at current residence | Complete |
| 730984 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Provided completed signed application including citizenship information. | 03/18/2022 lender provided Corrected Final 1003 | 03/18/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence. | Complete |
| 730984 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 50. AVM FSD of 50, exceeded max of 10. XXX ordered Desk Review on behalf of Client. | 02/21/2022- VRA Desk Review received from XXX supporting appraisal value. | 02/21/2022- Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence. | Complete |
| 836492 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified at $XXX less cash from borrower $XXX equals $XXX or 11.60 months PITIA. Negative Rents equals $XXX X 12 months equals $XXX reserves required plus $XXX PITIA x 6 months equals $XXX due to 80% LTV. Total reserves required $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 669 qualifying score. Min required per guidelines is 650. | Complete |
| 258503 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned present residence for 21 years. | Complete |
| 442916 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied | D A | D A | CMPDOC191 | Missing Mortgage | No | Mortgage in the file is not the subject property. Please provide subject property address and all riders if applicable. | 2/18/2022: Lender provided subject property mortgage, 1- 4 rider and Prepayment rider. | 2/18/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 39.10 mo. PITI, 12 mo. Neg. Cash Flow reserves or $XXX is required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history 0x30x45, Max 1x30x12<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrowers have no major mortgage related occurrences in the last two years | Complete |
| 442916 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. XXX to order on Client's behalf. | 2/17/22 AVM received supporting appraised value, Confidence score 94, FSD 6 | 2/17/22 Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 39.10 mo. PITI, 12 mo. Neg. Cash Flow reserves or $XXX is required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history 0x30x45, Max 1x30x12<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrowers have no major mortgage related occurrences in the last two years | Complete |
| 952700 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 86. AVM FSD of 14, exceeded max of 10. XXX ordered Desk Review on behalf of Client. | 02/22/2022- VRA Desk Review received from XXX supporting appraisal value. | 02/22/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified at $XXX plus cash to borrower $XXX equals $XXX or 101.55 months PITIA. 12 months negative rents reserves required $XXX x 12 = $XXX , plus 6 months PITI $XXX = $XXX. Total reserves required $XXX. | Complete |
| 537597 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 51 months when 12 months are required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 672 qualifying score. Min required per guidelines is 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $$XXX or 113 months PITIA, guidelines required 0 months PITIA. | Complete |
| 232399 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 89. AVM FSD of 11, exceeded max of 10. XXX order Desk Review on behalf of Client. | 04/18/2022- VRA Desk Review received from XXX supporting appraisal value. | 04/18/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 747 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence. | Complete |
| 816460 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 50. AVM FSD of 50, exceeded max of 10. XXX order Desk Review on behalf of Client. | 04/15/2022- VRA Desk Review received from XXX supporting appraisal value. | 04/15/2022- Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 2.80 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years. | Complete |
| 816460 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -11.04% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX order on behalf of client. | 04/15/2022- VRA Desk Review received from XXX supporting appraisal value. | 04/15/2022- Exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 2.80 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years. | Complete |
| 147689 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX, or 17.03 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 635 qualifying score. Min required per guidelines is 625. | Complete |
| 775360 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2862 | Copy of Note in file is incomplete | No | The initial Interest Only payment on the note is incorrect. The monthly payment for first 120 payments states $2169.50 but should be $2015.10, and thereafter should be $2337.14. | 6/7/2022: Lender provided a corrected note to borrower and payment letter to borrower. | 6/7/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score. Min required per guidelines is XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV 75% File LTV 51.05% | Complete |
| 775360 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approvals for Rate & Term Refinance. Entire loan proceeds were used to pay off mortgage lien and closing costs. Lender approval in the credit file are for Cash Out Refinance. | 05/20/2022 lender response: Uploading updated approval and ULAW reflecting R/T refi. | 05/20/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score. Min required per guidelines is XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV 75% File LTV 51.05% | Complete |
| 889722 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | 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 Fee of $3525 due to Discount Points increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 4/14/2022: Lender provided COC for addition of the Discount Points. | 4/14/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned present residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 29.09% is 52.91% below maximum LTV of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified assets $XXX. 10.69 months reserves. No reserves required.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 99 months mortgage history with no late pays. | Complete |
| 889722 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Property Valuations | Appraisal | Active | B | B | PRVAAPPR151 | Appraisal dated beyond acceptable date range per guidelines | No | Per guidelines, if the appraisal date is 120 days or more at closing, the original appraiser must provide an Appraisal Update with photos. Appraisal date is XXX and closing date is XXX. There is no appraisal update with photos. Lender did provide an exception. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned present residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 29.09% is 52.91% below maximum LTV of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified assets $XXX. 10.69 months reserves. No reserves required.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 99 months mortgage history with no late pays. | Complete |
| 344488 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Complete |
| 255340 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 88. AVM FSD of 12, exceeded max of 10. XXX order Desk Review on behalf of Client. | 04/25/2022- VRA Desk Review received from XXX supporting appraisal value. | 04/25/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 787 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV 60.810% File LTV 80%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI 50% File DTI 21.75%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 4 years and 11 months in current profession. | Complete |
| 892075 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Insurance | Active | B | B | CRDINSR822 | Insurance Effective date is greater than the transaction date | No | Per guidelines, for refinance transaction, current policy must have a remaining term of at least six (6) months. Loan closed XXX. Per policy, renewal date is 08/17/2022, which is less than the required 6 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 45.16% is 24.84% below maximum LTV of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified Assets Liquid Assets $916,973.84/195.52 months reserves. Reserves not required.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 99 months mortgage history with no late pays.<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: House payment went from $6,916 to $4,911.12 | Complete |
| 469650 | XXXXXX | XXXXXX | 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: XXX qualifying score. Min required per guidelines is XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 49.86%; max allowed per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for 18 years and 9 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $11,752.03 or 3.88 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 37.32%, max per guidelines is 50%. | Complete |
| 700334 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Lender does not lend to applicants from Venezuela. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 60.51%; max allowed per guidelines is 65%. | Complete |
| 700334 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 4/22/22 AVM received. | 4/22/22 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 60.51%; max allowed per guidelines is 65%. | Complete |
| 700334 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX. and confidence score of 50 AVM FSD of 50, exceeded max of 10. XXX order Desk Review on behalf of Client. | 04/27/2022- VRA Desk Review received from XXX supporting appraisal value. | 04/27/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 60.51%; max allowed per guidelines is 65%. | Complete |
| 700334 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Property | Active | B | B | PRVAPROP2674 | Property Issues Indicated 2 | No | Vacant investment properties are not eligible for a refinance transaction. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 60.51%; max allowed per guidelines is 65%. | Complete |
| 700334 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -20.23% variance with a value of $XXX. and the OA value is $XXX. A Desk Review is required. \*\*\* XXX order on behalf of client. | 04/27/2022- VRA Desk Review received from XXX supporting appraisal value. | 04/27/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 60.51%; max allowed per guidelines is 65%. | Complete |
| 393147 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing third party fraud report | 04/21/2022 lender provided XXX Fraud Reporting uploaded | 04/21/2022 exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 65.91%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 686 qualifying score. Min required per guidelines is 625.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX, or 99 months PITIA, Reserves are not required. | Complete |
| 455448 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approval for Rate & Term Refinance. Transaction is Rate & Term, with Borrower bringing funds to closing, after pay off of 1st mortgage lien and closing costs. Lender approval in the file are for Cash Out Refinance. | 06/10/2022 lender provided Updated ULAW & Approval reflecting R/T refi | 06/10/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 63 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 780 qualifying score. Min required per guidelines is 750. | Complete |
| 455448 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 68. AVM FSD of 32, exceeded max of 10. | 06/13/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/13/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 63 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 780 qualifying score. Min required per guidelines is 750. | Complete |
| 376289 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing VOE or W-2 to verify 2 years earnings required per guidelines. | 05/19/2022 lender provided VVOE05/19/2022 XXX reviewed VVOE. Exception is for missing verification of 2 years earnings, by W2s or WVOE, as required by guidelines. Exception remains.05/20/2022 lender provided 2020-21 1040s for 2-year income requirement | 05/20/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 74.65%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 734 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years and XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 46.33%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 6.46 months PITIA, guidelines required 0 | Complete |
| 959166 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 57. AVM FSD of 43, exceeded max of 10. XXX order Desk Review on behalf of Client. | 05/24/2022- VRA Desk Review received from XXX supporting appraisal value. | 05/24/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 12 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 617 qualifying score. Min required per guidelines is 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified at $0 plus cash to borrower $XXX equals $XXX or 14.14 months PITIA. No reserves required. | Complete |
| 459343 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | Is partial payments on the loan disclosures section of the final CD is not marked. | (No Data) | Exception satisfied since corrected on PCCD | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 4.56%, max per guidelines is 50%<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 5 years. | Complete |
| 439984 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. Lender's 06/03/2022 Tape indicates Second Full Appraisal dated XXX with value $XXX was provided. Please provide Second Full Appraisal as stated on 06/03/2022 Tape. | 06/10/2022 lender response: Second Appraisal uploaded06/10/2022 XXX reviewed Second Appraisal. Second Appraisal is dated XXX with value of $XXX, and was previously included in the credit file. The Exception is to provide Second Full Appraisal, dated XXX, as stated on 06/03/2022 tape. Exception remains.8.5.2022- Lender responded; The appraisal in question had some incorrect areas that the appraiser refused to correct so the broker provided a different report with correct info. An incomplete, incorrect appraisal is not a full report and would not be used in the file.Exception remains, Please advise that there is no 2nd appraisal and the appraisal dated XXX is the only valid appraisal. If so we will need to order an AVM to support appraisal value.08/11/2022 lender response: Yes, Confirming that the XXX appraisal is the only one in DV, please order the AVM08/11/2022 XXX will order AVM.XXX AVM received. | 8.12.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 718 qualifying score. Min required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 87 months PITIA, guidelines required 0 months PITIA. | Complete |
| 439984 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX. and confidence score of 50. AVM FSD of 50 exceeded max of 10. XXX order Desk Review on behalf of Client. | 08/17/2022- VRA Desk Review received from XXX supporting appraisal value. | 08/17/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 718 qualifying score. Min required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 87 months PITIA, guidelines required 0 months PITIA. | Complete |
| 439984 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D B | N/A | N/A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -58.63% variance with a value of $XXX. and the OA value is $XXX. A Desk Review is required. \*\*\* XXX order on behalf of client. | 08/17/2022- VRA Desk Review received from XXX supporting appraisal value. | 08/17/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 718 qualifying score. Min required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 87 months PITIA, guidelines required 0 months PITIA. | Complete |
| 483806 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV 70% File LTV 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified at $XXX less cash from borrower $XXX equals $XXX or 29.36 months PITIA. 12-months negative rent reserves required due to DSCR < 1. $XXX x 12 equals $XXX total reserves required. | Complete |
| 808239 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 73. AVM FSD of 27, exceeded max of 10. XXX order Desk Review on behalf of Client. | 05/24/2022- VRA Desk Review received from XXX supporting appraisal value. | 05/24/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 56%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 44 months PITIA, guidelines required 0 months PITIA. | Complete |
| 363061 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 4/22/22 AVM provided. | 4/22/22 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 28.08%; max allowed per guidelines is 70%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 610 qualifying score. Min required per guidelines is 600. | Complete |
| 363061 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Collateral Analytics discloses -16.49% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. \*\*\* XXX order on behalf of client. | 04/28/2022- XXX Desk Review received from XXX supporting appraisal value. | 04/28/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 28.08%; max allowed per guidelines is 70%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 610 qualifying score. Min required per guidelines is 600. | Complete |
| 363061 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -16.49% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. \*\*\* XXX order on behalf of client. | 04/28/2022- XXX Desk Review received from XXX supporting appraisal value. | 04/28/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 28.08%; max allowed per guidelines is 70%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 610 qualifying score. Min required per guidelines is 600. | Complete |
| 977280 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | XXX discloses -10.30% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX order on behalf of client. | 04/22/2022- VRA Desk Review received from XXX supporting appraisal value. | 04/22/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 5 years and 7 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 741 exceeds the minimum credit score of 725, 16 points.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 20 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified assets $XXX. Cash to close $XXX. Post-closing cash reserves $XXX/14.19 months reserves. 6 months reserves required. | Complete |
| 792696 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX XXX to order AVM. | 4/22/22 CA AVM provided support appraisal value. | 4/22/22 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified at $XXX less cash from borrower $XXX equals $XXX or 170.02 months PITIA. No reserves required per DSCR update. | Complete |
| 527597 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV 60% based on DSCR for Foreign National, with DSCR <0.900 | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 200.24 guidelines required 0 months PITIA. | Complete |
| 209682 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXX Comments: 4 years and 2 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 665 qualifying score. Min required per guidelines is 650. | Complete |
| 738700 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing Settlement Statement from recent Cash Out Refinance of XXX, with estimated Cash Out proceeds of $XXX. | 05/27/2022 lender provided Final Settlement Statement for Cash out Property | 05/27/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70.00%; max allowed per guidelines is 75.00%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 6.28%, max per guidelines is 50.00%. | Complete |
| 736198 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 67.65%; max allowed per guidelines is 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 18 months when 12 months are required. | Complete |
| 383852 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | With subject transaction, Borrower will have four loans with lender, and all non-owner occupied. With four loans with lender, Guidelines require one to be owner occupied. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 3 months PITIA, guidelines required 0 months PITIA. | Complete |
| 383852 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | A borrower with two (2) or more unrelated foreclosures within the last 36 months will be eligible for any XXX loan on a case-by-case basis but in no event exceed a 65% maximum LTV.Two (2) or more foreclosures resulting from separate circumstances or occurring several months apart will be considered unrelated foreclosures. The underwriter must prudently analyze related foreclosures, to ensure the reason for defaulting on the mortgages were due to extenuating circumstances beyond the borrowers control and such circumstances are resolved and not likely to recur. If the underwriter determines that foreclosures were related, support documentation must be obtained and included in the loan file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 3 months PITIA, guidelines required 0 months PITIA. | Complete |
| 383852 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 85. AVM FSD of 15, exceeded max of 10. XXX order Desk Review on behalf of Client. | 05/17/2022- VRA Desk Review received from XXX supporting appraisal value. | 05/17/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 3 months PITIA, guidelines required 0 months PITIA. | Complete |
| 923908 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Documentation in file reflects an LE was provided to borrower on XXX however, that LE is missing from file. | 6/15/2022: Client provided LE XXX | 6/15/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 23.53% DTI, max per guidelines is 50%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 20 years in current profession. | Complete |
| 923908 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | The homeowners counseling organizations is not in file. | 6/15/2022: Lender provided Homeowners Counseling list. | 6/15/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 23.53% DTI, max per guidelines is 50%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 20 years in current profession. | Complete |
| 923908 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Application | Satisfied | D A | D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Application provided does not contain signature of borrower. | 07/14/2022 lender response: Corrected Signed Final 1003 uploaded reflecting both Borrower & Co-borrower's signature on page 5. Note that if the borrower is married, the signature line will be on the primarys application. | 07/14/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 23.53% DTI, max per guidelines is 50%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 20 years in current profession. | Complete |
| 923908 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Application | Satisfied | D A | D A | CRDAPP227 | Application Not Signed by Co-Borrower | No | Application provided does not contain signature of co borrower. | 07/14/2022 lender response: Corrected Signed Final 1003 uploaded reflecting both Borrower & Co-borrower's signature on page 5. Note that if the borrower is married, the signature line will be on the primarys application. Co-borrower did not need to disclose information and sign for sections 2,3, &4 | 07/14/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 23.53% DTI, max per guidelines is 50%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 20 years in current profession. | Complete |
| 923908 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No | Short funds to close in the amount of $41,750.56 | 06/15/2022 lender response: Per Sec 8.4 in guideline, verification of the seasoning of funds to close is not required on loans with LTV of 65% or less06/15/2022 XXX reviewed lender response. The only funds disclosed in the credit file are $XXXin XXX #XXX, dated 04/29/2022. The credit file is missing additional stated Assets in an amount of Funds to close of $XXX. Please provide Borrower information for the additional Stated Unverified Assets, needed for closing. Additional Stated Unverified Assets do not require seasoning. Exception remains.07/14/2022 lender response: Corrected Signed Final 1003 uploaded reflecting updated asset balance for XXX#XXXon page 2 | 07/14/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 23.53% DTI, max per guidelines is 50%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 20 years in current profession. | Complete |
| 923908 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 69. AVM FSD of 31, exceeded max of 10. XXX order Desk Review on behalf of Client. | 06/16/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/16/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 23.53% DTI, max per guidelines is 50%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 20 years in current profession. | Complete |
| 917325 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Max LTV 55% based on DSCR for Foreign National Borrower, with DSCR < 0.700. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 40.09 guidelines required 0 months PITIA. | Complete |
| 917325 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 5/27/2022 AVM received | 05/27/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 40.09 guidelines required 0 months PITIA. | Complete |
| 917325 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 80. AVM FSD of 20, exceeded max of 10. XXX order Desk Review on behalf of Client. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 40.09 guidelines required 0 months PITIA. | Complete |
| 917325 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses - 10.62% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX order on behalf of client. | 06/03/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/03/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 40.09 guidelines required 0 months PITIA. | Complete |
| 683950 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 56.30%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 90 months PITIA, guidelines required 0 months PITIA. | Complete |
| 819459 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 744 qualifying score. Min required per guidelines is 725. | Complete |
| 591368 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 78. AVM FSD of 22, exceeded max of 10. XXX order Desk Review on behalf of Client. | 05/31/2022- VRA Desk Review received from XXX supporting appraisal value. | 05/31/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 61 months PITIA, guidelines required 0 months PITIA. | Complete |
| 225350 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 76. AVM FSD of 24, exceeded max of 10. XXX order Desk Review on behalf of Client. | 6.30.2022- Desk review provided supporting appraisal value | 6.30.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been a XXX for 20 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 85%; max allowed per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 46.12%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 10.34 months PITIA, guidelines required 6 months PITIA. | Complete |
| 850615 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. According to 06/02/2022 tape from client, the client will provide AVM. Please provide AVM. | 06/07/2022 lender response: Please proceed ordering valuation report; data tape reflected AVM for this file by error06/07/2022 XXX ordered AVM on behalf of Client.06/09/22 AVM received from collateral Analytic did not support appraised value. | 06/09/22 Exception satisfied, a desk review is now required. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Cash reserves $XXX or 3.17 PITI require reserve 3 month $XXX =$XXX. Cash to close $XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX Years at current residence. | Complete |
| 850615 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX. and confidence score of 84 AVM FSD of 16 exceeded max of 10. XXX order Desk Review on behalf of Client. | 06/13/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/13/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Cash reserves $XXX or 3.17 PITI require reserve 3 month $XXX =$XXX. Cash to close $XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX Years at current residence. | Complete |
| 644124 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 05/26/2022 AVM received | 05/26/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 31 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 13 months PITIA, guidelines required 6 months PITIA. | Complete |
| 644124 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 50. AVM FSD of 50, exceeded max of 10. XXX order Desk Review on behalf of Client. | 05/31/2022- VRA Desk Review received from XXX supporting appraisal value. | 05/31/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 31 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 13 months PITIA, guidelines required 6 months PITIA. | Complete |
| 644124 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses - 78.48% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX order on behalf of client. | 05/31/2022- VRA Desk Review received from XXX supporting appraisal value. | 05/31/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 31 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 13 months PITIA, guidelines required 6 months PITIA. | Complete |
| 925607 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID3950 | TRID - CD: The Additional Product Feature value in the CD Loan Information section and the Negative Amortization disclosure in the CD Loan Disclosures section are not consistent | No | The additional product features are not marked on the final CD XXX. Corrected on PCCD XXX | (No Data) | Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 707 qualifying score. Min required per guidelines is 700<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been in the XXX for 13 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXXor 10.52 months PITIA, guidelines required 6 months PITIA. | Complete |
| 925607 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | The partial payments section under loan disclosures is not marked on the final CD. Corrected on PCCD XXX | (No Data) | Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 707 qualifying score. Min required per guidelines is 700<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been in the XXX for 13 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXXor 10.52 months PITIA, guidelines required 6 months PITIA. | Complete |
| 925607 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4373 | TRID - CD: Closing Disclosure contains conflicting loan attributes | No | The loan attributes under the loan disclosures on the final CD are not marked. Corrected on PCCD XXXX | (No Data) | Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 707 qualifying score. Min required per guidelines is 700<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been in the XXX for 13 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXXor 10.52 months PITIA, guidelines required 6 months PITIA. | Complete |
| 310838 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 5% LTV exception, LTV is 70%, max LTV 65% based on credit dept does not meet guideline requirement, exception cleared, 24 months VOR. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 7.02%, max per guidelines is 50%. | Complete |
| 164069 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines, a minimum of 3 acceptable tradelines are required. The borrower has 1 open tradeline. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 20.36%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 760 qualifying score. Min required per guidelines is 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 29.17 months PITIA, guidelines required 12 months PITIA. | Complete |
| 150433 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 719 qualifying score. Min required per guidelines is 575.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit history is for 149 months when 24 months are required. | Complete |
| 873604 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 642 qualifying score. Min required per guidelines is 625.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Assets verified at $XXX plus cash to borrower $XXX equals $XXX or 86.70 months PITIA. No reserves required. | Complete |
| 414916 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years residing at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close assets $XXX after cash to close of $XXX. No reserve requirement LTV is 70%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70%LTV below matrix guideline 75% | Complete |
| 821040 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70%, Max LTV 65%, per 03/31/2022 Matrix.LTV Exceeds Guideline Requirement by at least 5%, but less than 10% . DSCR: 0.90 to <1.00 ; -5% LTV/CLTV . | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 29.42 months PITIA, guidelines do not require Reserves. | Complete |
| 821040 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 5/31/2022 AVM received | 05/31/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 29.42 months PITIA, guidelines do not require Reserves. | Complete |
| 840578 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 37.29%, max per guidelines is 50.00%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 58.18%; max allowed per guidelines is 75.00%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Complete |
| 161347 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Condo Master Policy Insurance Expiration date is 5/15.2022 prior to the transaction date XXX. | 05/26/2022 lender provided Most Recent Master Condo Policy | 05/26/2022 exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XX months PITIA, guidelines required 0 months PITIA.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 26 months when 12 months are required. | Complete |
| 213872 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 48.23%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 2 months PITIA, guidelines required 0 months PITIA. | Client Complete |
| 692001 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 792 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX per guidelines require $XXX. | Complete |
| 935223 | XXXXXX | XXXXXX | 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: Verified cash reserves $XXX or 6.10 months PITIA, guidelines required 0 months PITIA.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been a XXX XXX for 22 years and 2 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 7.72%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 654 qualifying score. Min required per guidelines is 650 | Complete |
| 850237 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV Exceeds Guideline Requirement by at least 10%,FN, Max 65% Refinance. DSCR: 0.70 to <0.80 ; -15% LTV/CLTV. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 94 months PITIA, guidelines required 0 months PITIA. | Complete |
| 597429 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 33 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years. | Complete |
| 597429 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 78. AVM FSD of 22, exceeded max of 10. XXX order Desk Review on behalf of Client. | 06/13/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/13/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 33 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years. | Complete |
| 637689 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 100.13 guidelines required 0 months PITIA. | Complete |
| 863479 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Active | B | B | CRDTER127 | Payment shock does not meet guidelines | No | FTHB Payment Shock: 4.23 (Max 3X Current rental payment). Current rent $3,161.49. New PITI $13,344.09. (New PITIA / Current rent = 4.23X). | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 11.68%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 765 qualifying score. Min required per guidelines is 750. | Complete |
| 160140 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 64.30%; max allowed per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 44.97%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 10 months PITIA, guidelines required 0 months PITIA. | Complete |
| 345257 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 756 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified at $XXX less cash from borrower $XXX equals $XXX or 11.87 months PITIA. No reserves required. | Complete |
| 733821 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 84.90%; max allowed per guidelines is 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Rental payment history is for 21 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 14 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 42.25%, max per guidelines is 50%. | Complete |
| 310482 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Insurance | Satisfied | D A | D A | CRDINSR848 | Missing Hazard Insurance | No | Hazard insurance in file not readable. | 06/06/2022 lender provided 10 pages of hazard insurance policy. 06/06/2022 XXX reviewed 10 page hazard insurance policy provided. Pages 1 - 2 are Liability Insurance for the Settlement Agent, XXX. Pages 3 - 10 are blank. Please provide hazard insurance policy, with sufficient coverage, for the subject property. Exception remains.06/07/2022 lender provided hazard insurance Dwelling Declaration page | 06/07/2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 21.86 guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Complete |
| 310482 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Max LTV 60% based on DSCR for Foreign National, with DSCR <0.900 | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 21.86 guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Complete |
| 774977 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. | 06/03/2022 AVM received supporting appraisal value | 06/03/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 45.21%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $64,948.84 or 24.73 guidelines required 0 months PITIA. | Complete |
| 736519 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient # of months cash reserves for PITI per guideline requirements of 6 months. Only has 5.03. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 780 qualifying score. Min required per guidelines is 750.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 7 years, 6 months. | Complete |
| 736519 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Length of mortgage/rental history in file 0 months, does not meet guideline requirement for twelve (12). | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 780 qualifying score. Min required per guidelines is 750.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 7 years, 6 months. | Complete |
| 736519 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 71. AVM FSD of 29, exceeded max of 10. 6.07.22 XXX order VRA. | 06/13/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/13/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 780 qualifying score. Min required per guidelines is 750.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 7 years, 6 months. | Complete |
| 168095 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 773 qualifying score. Min required per guidelines is 750. | Complete |
| 608315 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 6 MONTHS RESERVES REQUIRED DUE TO LTV > 80%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: 5 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX | Complete |
| 608315 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 69. AVM FSD of 31, exceeded max of 10. XXX order Desk Review on behalf of Client. | 05/18/2022- VRA Desk Review received from XXX supporting appraisal value. | 05/18/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: 5 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX | Complete |
| 608315 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | AVM discloses -19.4286% variance with a value of $XXX and the OA value is $XXX. A desk review is required. XXX order Desk Review on behalf of Client. | 05/18/2022- VRA Desk Review received from XXX supporting appraisal value. | 05/18/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: 5 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX | Complete |
| 233627 | XXXXXX | XXXXXX | 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: 673 qualifying score. Min required per guidelines is 650.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXXyears.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been XXX in the XXX for 20 years | Complete |
| 315817 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Subject closed with 66.63% LTV. Maximum LTV of 60%, based on 04/06/2022 Matrix for Foreign National Borrower, with DSCR 0.8493. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 13.41 guidelines required 0 months PITIA. | Complete |
| 101937 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 671 qualifying score. Min required per guidelines is 650.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history is for 50 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 3 months PITIA, guidelines required 0 months PITIA.<br>CFCFS2860: Good credit history<br> - XXX Comments: 671 qualifying score. Min required per guidelines is 650. | Complete |
| 541901 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 34.77%, max per guidelines is 50%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been employed in the XXX for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%; max allowed per guidelines is 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 10.21 months PITIA, guidelines required 6 months PITIA. | Complete |
| 360065 | XXXXXX | XXXXXX | 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 | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 06/09/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/09/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 11 years at current job<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 37.31 below guideline requirements < 50%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 69.99% below guideline requirements <85% 4/06/2022 Matrix | Complete |
| 283993 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV 70% based on Non-warr condo property type, with DSCR 0.90 to < 1.00. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 795 qualifying score. Min required per guidelines is 750. | Complete |
| 283993 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 06/01/2022 AVM provided supporting appraisal value | 06/01/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 795 qualifying score. Min required per guidelines is 750. | Complete |
| 439841 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 45.03%; max allowed per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 6.52 months PITIA, guidelines required 0 months PITIA. | Complete |
| 508248 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | max LTV 50% based on DSCR Refinance for ITIN, with DSCR <0.800 | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 692 qualifying score. Min required per guidelines is 675.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit history is for 73 months when 24 months are required. | Complete |
| 508248 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 6/2/2022 AVM received | 6/2/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 692 qualifying score. Min required per guidelines is 675.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit history is for 73 months when 24 months are required. | Complete |
| 508248 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXXX with an estimated value of $XXX, and confidence score of 59. AVM FSD of 41, exceeded max of 10. XXX order Desk Review on behalf of Client. | 06/07/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/07/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 692 qualifying score. Min required per guidelines is 675.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit history is for 73 months when 24 months are required. | Complete |
| 508248 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -18.57% variance with a value of $XXXX and the OA value is $XXX. A Desk Review is required. XXX order on behalf of client. | 06/07/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/07/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 692 qualifying score. Min required per guidelines is 675.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit history is for 73 months when 24 months are required. | Complete |
| 905880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Max LTV 50% based on DSCR refinance for ITIN, with DSCR <0.800 | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 692 qualifying score. Min required per guidelines is 675<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit history is for 73 months when 24 months are required. | Complete |
| 905880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 5/31/2022 AVM received | 5/31/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 692 qualifying score. Min required per guidelines is 675<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit history is for 73 months when 24 months are required. | Complete |
| 905880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 86. AVM FSD of 14, exceeded max of 10. XXX order Desk Review on behalf of Client. | 06/03/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/03/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 692 qualifying score. Min required per guidelines is 675<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit history is for 73 months when 24 months are required. | Complete |
| 965809 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 82.00 guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 801 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 56.60%; max allowed per guidelines is 75.00%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years. | Complete |
| 571812 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Closed LTV is 70%. Max LTV is 65%, based on 04/19/2022 Matrix, with Credit Grade BBB, Purchase, with DSCR 0.7947. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 671 qualifying score. Min required per guidelines is 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXXor 34.79 guidelines required 0 months PITIA.<br>CFCFS2860: Good credit history<br> - XXX Comments: Consumer credit history is for 79 months when 24 months are required. | Complete |
| 576051 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 17.32%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 69.30%; max allowed per guidelines is 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX with for 9 years.<br>CFCFS2860: Good credit history<br> - XXX Comments: Consumer credit history is for 177 months when 24 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 28.04 guidelines required 0 months PITIA. | Complete |
| 320474 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 6/2/2022 AVM received | 6/2/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 160.71 guidelines required 0 months PITIA. | Complete |
| 320474 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 87. AVM FSD of 13, exceeded max of 10. XXX order Desk Review on behalf of Client. | 06/03/2022- VRA Desk Review received from XXX supporting appraisal value. | 06/03/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 160.71 guidelines required 0 months PITIA. | Complete |
| 271402 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied | D A | D A | CRDINSR5081 | Insurance Policy missing required endorsements | No | Condo Master Policy expires 05/25/2022, XXX after subject closing. Provide updated Condo Master Policy. | 06/06/2022 lender provided Recent Condo Master Policy | 06/06/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 45.14 guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70.00%; max allowed per guidelines is 75.00%. | Complete |
| 360106 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | DTI | Active | B | B | CRDDTI187 | Debt Ratio > 50% | No | DTI 52.20% exceeds guidelines maximum of 50.49%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 738 credit score exceeds guideline requirement for AA 725.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close assets $XXX after cash to close of $XXX. No reserve required LTV 75% | Complete |
| 293621 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been in the XXX for 24 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or 7.81 months PITIA, guidelines required 6 months PITIA. | Complete |
| 108493 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID3492 | TRID - Waiver of TRID waiting period in file | No | Borrower letter in file waiving three day waiting period. This exception will remain active 2/B with client consent to cancel exceptions CMPTRID3618 and CMPTRID3626. | 6/10/2022: Client consented to cancel CMPTRID3618 and CMPTRID3626. | 6/10/2022: Final grade 2/B. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 44.80% DTI below guideline requirements 50.49%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 797 credit score exceeds guidelines 720<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 75% below guideline requirements | Complete |
| 808586 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 15.37%. Max DTI for this program is 50.00%.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower in his profession for 15 years. | Complete |
| 539111 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 63.92 is below guideline requirement of 75% by 11.08 points.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX points. | Complete |
| 338748 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 65% is below guideline requirements of 75% by XXX points.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX points | Complete |
| 284067 | XXXXXX | XXXXXX | 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 | C B | CMPTRID3676 | TRID - CD: Ten percent 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 | $264.450 ten percent tolerance fee due to increase in title fees on CD XXX that the borrower did not shop for: Title-Lenders title insurance, Title-endorsements, Title-Courier, Title- Wire Fee, Title - Search/exam. Provide sufficient CoC, or corrected PCCD, copy of refund check, LOX and copy of shipping. | 6/27/19: Tolerance violation satisfied. Client provided PCCD, LOX and refund check to the Borrower in the amount of $264.45. | 6/27/19: Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 73.81% below guideline requirements 85.00%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 16.49% below guideline requirement 43.00% | Complete |
| 284067 | XXXXXX | XXXXXX | 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 | Waived | B | B | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Refers to all Cds: Property taxes for 6 months disclosed as $12,359.39. $12,359.39 dived by 6 months equals $2,059.89 which is inconsistent with disclosed monthly escrow amount of $2,061.61. | 6/11/2019: Client request to waive non material exceptions. | 6/11/2019: Exception waived. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 73.81% below guideline requirements 85.00%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 16.49% below guideline requirement 43.00% | Complete |
| 284067 | XXXXXX | XXXXXX | 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 | Waived | B | B | CMPTRID4310 | TRID - CD: The value for Funds for Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | CD XXX Calculating Cash to Close table LE column of the grid does not match the last LE issued XXX. Variance is due to switching from alternative table to standard table; not permissible. | 6/11/2019: Client requests to waive non-material exceptions. | 6/11/2019: Exception waived. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 73.81% below guideline requirements 85.00%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 16.49% below guideline requirement 43.00% | Complete |
| 169541 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing Third Party Valuation Product | 8/9/2021- XXX order on behalf of client. AVM support appraisal value. | 8/9/2021- Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 22 years at the current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has 24 years at their current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.62% is below Program Guidelines of 50.00% | Complete |
| 502358 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | RESPA | Active | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Provide List of homeowners counseling organizations. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 802 qualifying score. Min required per guidelines is 750. | Complete |
| 502358 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | Right of Rescission | Active | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a 'substantially similar notice.' XXX's view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the 'substantially similar notice' argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 802 qualifying score. Min required per guidelines is 750. | Complete |
| 502358 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX ordered on behalf of Client. | 02/24/2022- VRA Desk Review received from XXX supporting appraisal value. | 02/24/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 802 qualifying score. Min required per guidelines is 750. | Complete |

---

## Exhibit 99.8

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Client Name:** |  |
| &nbsp;&nbsp;**Client Project Name:** | &nbsp;&nbsp;**BRAVO 2026-NQMR1** |
| &nbsp;&nbsp;**Start - End Dates:** | &nbsp;&nbsp;**2/20/2016 - 6/14/2022** |
| &nbsp;&nbsp;**Deal Loan Count:** | &nbsp;&nbsp;**376** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| &nbsp;&nbsp;***Loans in Report:*** | &nbsp;&nbsp;*376* |
| &nbsp;&nbsp;***Loans with Conditions:*** | &nbsp;&nbsp;*262* |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 779778 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 486730 | XXXXXX | XXXXXX B A | B | B A | B | B | No |
| 981559 | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 745931 | XXXXXX | XXXXXX C B A | B | B C A | B | B | Yes |
| 718824 | XXXXXX | XXXXXX D A B | B | A D B | B | A | No |
| 284574 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 789210 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 701685 | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 851934 | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 221692 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 967812 | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 214007 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 583667 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 334125 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 505116 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 615265 | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 827482 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 132277 | XXXXXX | XXXXXX D B A | C | A D B | C | A | Not Applicable |
| 800715 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 707558 | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 287141 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 770717 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 230576 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 931477 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 441849 | XXXXXX | XXXXXX D A C | A | A D C | A | A | Not Applicable |
| 179086 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 399793 | XXXXXX | XXXXXX B A | B | B A | B | B | No |
| 557883 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 300060 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 283917 | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 126052 | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 255159 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 876991 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 831861 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 366055 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 831044 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 433257 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 298170 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 124547 | XXXXXX | XXXXXX D B A | B | B D A | B | B | No |
| 157605 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 594577 | XXXXXX | XXXXXX D B A | B | B D A | B | B | No |
| 389643 | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 285449 | XXXXXX | XXXXXX D B A | B | B D A | B | B | No |
| 785520 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 494394 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 475193 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 391657 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 782418 | XXXXXX | XXXXXX D A | C | A D | C | A | Not Applicable |
| 110075 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 246392 | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 651478 | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 236055 | XXXXXX | XXXXXX D B A | D | A D B | D | A | Yes |
| 513003 | XXXXXX | XXXXXX B A | B | A B | B | A | Not Applicable |
| 166097 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 608508 | XXXXXX | XXXXXX D B A | D | A D B | D | A | Not Applicable |
| 133247 | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 384635 | XXXXXX | XXXXXX D A | D | A D | D | A | Yes |
| 613335 | XXXXXX | XXXXXX D A C | D | A D C | D | A | Not Applicable |
| 469448 | XXXXXX | XXXXXX D A C | A | A D C | A | A | No |
| 847574 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 963677 | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 210942 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 549220 | XXXXXX | XXXXXX D B C A | D | A D B C | D | A | No |
| 754314 | XXXXXX | XXXXXX C B A | C | C B A | C | C | No |
| 989152 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 950684 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 880851 | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 939629 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 318857 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 598411 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 514180 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 957246 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 860650 | XXXXXX | XXXXXX D B A | B | B D A | B | B | No |
| 272364 | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 467665 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 471065 | XXXXXX | XXXXXX C A | A | A C | A | A | (No Data) |
| 794739 | XXXXXX | XXXXXX A | A | A | A | A | (No Data) |
| 190364 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 130848 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 334029 | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 698597 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 130391 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 358617 | XXXXXX | XXXXXX D B C A | C | A D B C | C | A | Not Applicable |
| 497554 | XXXXXX | XXXXXX D C A | D | B D C A | D | B | Not Applicable |
| 476319 | XXXXXX | XXXXXX D C A | D | B D C A | D | B | Not Applicable |
| 688110 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 318522 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 459981 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 647699 | XXXXXX | XXXXXX D B A | C | B D A | C | B | No |
| 380168 | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 797271 | XXXXXX | XXXXXX D A C | C | A D C | C | A | Not Applicable |
| 892986 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 813598 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 476948 | XXXXXX | XXXXXX D A C | A | A D C | A | A | Not Applicable |
| 278699 | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 451486 | XXXXXX | XXXXXX D A | C | A D | C | A | No |
| 116713 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 746144 | XXXXXX | XXXXXX B A | B | A B | B | A | No |
| 802036 | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 697428 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 683778 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 440156 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 442300 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 487434 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 198907 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 312650 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 169889 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 542501 | XXXXXX | XXXXXX D A | B | A D | B | A | Not Applicable |
| 889462 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 294012 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 429958 | XXXXXX | XXXXXX C A | B | A C | B | A | No |
| 891328 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 281088 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 833893 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 806787 | XXXXXX | XXXXXX D A | C | A D | C | A | Not Applicable |
| 668205 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 861230 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 492663 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 137047 | XXXXXX | XXXXXX D B C | D | A D B C | D | A | No |
| 228861 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 587037 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 762582 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 480958 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 599344 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 531983 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 957206 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 564631 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 970996 | XXXXXX | XXXXXX B A | B | A B | B | A | (No Data) |
| 597987 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 603117 | XXXXXX | XXXXXX B A | B | A B | B | A | (No Data) |
| 976510 | XXXXXX | XXXXXX C A | C | A C | C | A | (No Data) |
| 429556 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 829174 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 696499 | XXXXXX | XXXXXX B A | B | B A | B | B | No |
| 602760 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 707550 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 695083 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 266120 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 436076 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 421753 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 816883 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 933334 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 496380 | XXXXXX | XXXXXX B A | B | A B | B | A | No |
| 807457 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 308142 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 991483 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 895740 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 956960 | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 991604 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 200433 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 198144 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 300674 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 354419 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 828476 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 974236 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 662700 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 840206 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 256630 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 299499 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 653386 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 414208 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 996516 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 563727 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 498927 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 494695 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 961884 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 486345 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 603180 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 903698 | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 594495 | XXXXXX | XXXXXX C B A | B | B C A | B | B | Not Applicable |
| 250902 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 158306 | XXXXXX | XXXXXX D A C | A | A D C | A | A | No |
| 230253 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 348225 | XXXXXX | XXXXXX D B C A | C | B D C A | C | B | Not Applicable |
| 296918 | XXXXXX | XXXXXX D B A | B | B D A | B | B | No |
| 387914 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Yes |
| 337635 | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 962819 | XXXXXX | XXXXXX C A | A | A C B | A | A | Not Applicable |
| 626472 | XXXXXX | XXXXXX D A | A | A D C | A | A | Yes |
| 720277 | XXXXXX | XXXXXX D B A | B | B D A | B | B | No |
| 879668 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 354998 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 717500 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 592410 | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 269397 | XXXXXX | XXXXXX B A | B | B A | B | B | No |
| 116330 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 369666 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 531320 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 723024 | XXXXXX | XXXXXX D B C A | B | B D C A | B | B | No |
| 224385 | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 684405 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 335470 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 991663 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 990984 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 241761 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 739972 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 309916 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 882065 | XXXXXX | XXXXXX D B A | B | B D A | B | B | No |
| 102344 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 729719 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 495625 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 375910 | XXXXXX | XXXXXX B A | B | B A | B | B | No |
| 646163 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 523056 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 874526 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 246223 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 942716 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 501284 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 408572 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 274984 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 769249 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 496167 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 743944 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 280513 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 269087 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 486795 | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 734258 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 309941 | XXXXXX | XXXXXX D A | A | A D B | A | A | No |
| 437419 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 684003 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 634195 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 593271 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 801555 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 830414 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 314764 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 526871 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 949427 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 252275 | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 883364 | XXXXXX | XXXXXX D B A | D | A D B | D | A | Not Applicable |
| 674969 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 323599 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 668105 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 604922 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 664248 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 851524 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 976476 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 988453 | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 556293 | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 998593 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 889122 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 139301 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Yes |
| 436946 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 265497 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 693663 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 704511 | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 907487 | XXXXXX | XXXXXX D B A | D | A D B | D | A | Not Applicable |
| 568435 | XXXXXX | XXXXXX D B A | D | A D B | D | A | Not Applicable |
| 900096 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 408252 | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 913673 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 552463 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 455190 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 643247 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 415322 | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| 879421 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 167715 | XXXXXX | XXXXXX D B A | B | B D A | B | B | No |
| 409499 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 315676 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 845743 | XXXXXX | XXXXXX C B A | C | A C B | C | A | No |
| 688495 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 796266 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 850310 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 326308 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 703163 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 668742 | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 110321 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 162104 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 324779 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 845833 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 341437 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 169434 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 781716 | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 835059 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 988982 | XXXXXX | XXXXXX D B C A | A | A D B C | A | A | Yes |
| 826503 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 806140 | XXXXXX | XXXXXX C A | A | A C B | A | A | Not Applicable |
| 776896 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 328620 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 778346 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 911507 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 387248 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 634252 | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| 284545 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 121148 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 240964 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 953734 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 730984 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 836492 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 258503 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 442916 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 952700 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 537597 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 232399 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 816460 | XXXXXX | XXXXXX D A | A | A D B | A | A | No |
| 147689 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 775360 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 889722 | XXXXXX | XXXXXX C B A | C | A C B | C | A | Yes |
| 344488 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 255340 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 892075 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 469650 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 700334 | XXXXXX | XXXXXX D B | A | A D B | A | A | Not Applicable |
| 393147 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 455448 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 376289 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 959166 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 459343 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 439984 | XXXXXX | XXXXXX D A | N/A | N/A D B | N/A | N/A | No |
| 483806 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 808239 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 363061 | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 977280 | XXXXXX | XXXXXX C A | A | A C B | A | A | Not Applicable |
| 792696 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 527597 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 209682 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 738700 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 736198 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 383852 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 923908 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 917325 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 683950 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 819459 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 591368 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 225350 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 850615 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 644124 | XXXXXX | XXXXXX D A | A | A D B | A | A | Yes |
| 925607 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 310838 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 164069 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 150433 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 873604 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 414916 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 821040 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 840578 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 161347 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 213872 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 692001 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 935223 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 850237 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 597429 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 637689 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 863479 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 160140 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 345257 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 733821 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 310482 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 774977 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 736519 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 168095 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 608315 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 233627 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 315817 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 101937 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 541901 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 360065 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 283993 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 439841 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 508248 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 905880 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 965809 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 571812 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 576051 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 320474 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 271402 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 360106 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 293621 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 108493 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 808586 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 539111 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 338748 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 284067 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 169541 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 502358 | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |

---

## Exhibit 99.8

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Client Name:** |  |
| &nbsp;&nbsp;**Client Project Name:** | &nbsp;&nbsp;**BRAVO 2026-NQMR1** |
| &nbsp;&nbsp;**Start - End Dates:** | &nbsp;&nbsp;**2/20/2016 - 6/14/2022** |
| &nbsp;&nbsp;**Deal Loan Count:** | &nbsp;&nbsp;**8** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| &nbsp;&nbsp;***Loans in Report:*** | &nbsp;&nbsp;*8* |
| &nbsp;&nbsp;***Loans with Conditions:*** | &nbsp;&nbsp;*4* |

---

---

| |
|:---|
| **7 - Total Active Conditions** |
| **3 - Material Conditions** |
| 3 - Compliance Review Scope |
| 3 - Category: TILA/RESPA Integrated Disclosure |
| **4 - Non-Material Conditions** |
| 4 - Compliance Review Scope |
| 2 - Category: State Rate Spread |
| 2 - Category: TILA/RESPA Integrated Disclosure |
| **8 - Total Satisfied Conditions** |
| 8 - Compliance Review Scope |
| 8 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** |

---

©2026 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 99.8

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Client Name:** |  |
| &nbsp;&nbsp;**Client Project Name:** | &nbsp;&nbsp;**BRAVO 2026-NQMR1** |
| &nbsp;&nbsp;**Start - End Dates:** | &nbsp;&nbsp;**2/20/2016 - 6/14/2022** |
| &nbsp;&nbsp;**Deal Loan Count:** | &nbsp;&nbsp;**8** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| &nbsp;&nbsp;***Loans in Report:*** | &nbsp;&nbsp;*8* |
| &nbsp;&nbsp;***Loans with Conditions:*** | &nbsp;&nbsp;*4* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** |
| 204498 | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: Rebuttable Presumption A |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 961191 | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: Rebuttable Presumption A |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 515621 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 7.145%; benchmark rate is 4.000%. Variance of 3.145% exceeds 1.500% threshold. | (No Data) | (No Data) | (No Data) | (No Data) |
| 515621 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Active | C B | C B | CMPTRID3632 | TRID - Inconsistency between Final CD and Loan Documents | No | CDs dated XXX Loan Disclosures assumption clause does not match the Note. | (No Data) | Exception changed to Non-Material (L2) per XXX Compliance Review. | (No Data) | (No Data) |
| 515621 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Active | C | C | CMPTRID3568 | TRID - Error discovered on the Loan Estimate | Yes | LE dated XXX: Loan Costs Section C does not contain the "Title -" in front of the fees on the services you can shop for and fees are not alphabetized. | (No Data) | (No Data) | (No Data) | (No Data) |
| 515621 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3530 | TRID - Loan Estimate: At least one section contains formatting that does not comply with the Regulation | No | LE dated XXX is missing the Lender NMLS / Loan Officer NMLS/ Broker Email / Broker Phone. | (No Data) | Exception changed to Non-Material (L2) per XXX Compliance Review. | Non-Numeric | (No Data) |
| 515621 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3572 | TRID - Closing Disclosure: At least one section contains a disclosure that is not in accordance with the Regulation | No | CD dated XXX: Closing Information valuation section states Estimated Property Value and should reflect Appraised Value. | (No Data) | Exception changed to Non-Material (L2) per XXX Compliance Review. | Non-Numeric | (No Data) |
| 515621 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3602 | TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation | No | CD's dated XXX: Contact Information Section missing Contact / Contact NMLS ID. | (No Data) | Exception changed to Non-Material (L2) per XXX Compliance Review. | Non-Numeric | (No Data) |
| 518336 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Active | C | C | CMPTRID3604 | TRID - Error discovered on Closing Disclosure | Yes | CDs dated XXX have the following formatting issues in the Other Costs Section (F. Prepaids):(1) Homeowners Insurance Premium does not disclose the number of months. | (No Data) | (No Data) | (No Data) | (No Data) |
| 518336 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B A | B A | CMPTRID3518 | TRID - Loan Estimate: Percentage Disclosed incorrectly or contains an unexpected Value | No | LE dated XXX does not comply with a TRID rounding rule - Loan Terms discloses: (1) Interest Rate of 7.250%. This should be truncated to 7.25% per TRID formatting guidelines. (2) Interest Rate can go as high as 13.250%. This should be truncated to 13.25% per TRID formatting guidelines. LE dated XXX does not comply with a TRID rounding rule - Other Costs (F.Prepaids) discloses: (1) Prepaid Interest Rate of 7.250%. This should be truncated to 7.25% per TRID formatting guidelines.LE dated XXX does not comply with a TRID rounding rule - AIR Table discloses: (1) Margin of 4.950%. This should be truncated to 4.95% per TRID formatting guidelines. (2) Initial Interest Rate of 7.250%. This should be truncated to 7.25% per TRID formatting guidelines. (3) Minimum Interest Rate of 7.250%. This should be truncated to 7.25% per TRID formatting guidelines. (4) Maximum Interest Rate of 13.250%. This should be truncated to 13.25% per TRID formatting guidelines. LEs dated XXX do not comply with a TRID rounding rule - AIR Table discloses: (1) Margin of 6.950%. This should be truncated to 6.95% per TRID formatting guidelines. | (No Data) | Exception changed to Non-Material (L2) per XXX Compliance Review. | Numeric | (No Data) |
| 518336 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B A | B A | CMPTRID3602 | TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation | No | CDs dated XXX have the following formatting issues: 1. Missing the Full Header on all pages. 2. Contact Information Section missing Settlement Agent NMLS/FL License ID. | (No Data) | Exception changed to Non-Material (L2) per XXX Compliance Review. | Non-Numeric | (No Data) |
| 518336 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3478 | TRID - Written List of Providers not compliant | No | Settlement Services Provider List is missing the contact information for the Provider (Address & Telephone Number). | (No Data) | (No Data) | (No Data) | (No Data) |
| 814373 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 269085 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 8.932%; benchmark rate is 4.130%. Variance of 4.802% exceeds 1.500% threshold. | (No Data) | (No Data) | (No Data) | (No Data) |
| 269085 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID3602 | TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation | No | Non Numeric Material Error. CD's dated XXX Loan Disclosures - Assumption does not match Note/ Product. | (No Data) | Exception changed to Non-Material (L2) per XXX Compliance Review. | Non-Numeric | Not Applicable |
| 269085 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B A | B A | CMPTRID3530 | TRID - Loan Estimate: At least one section contains formatting that does not comply with the Regulation | No | Non Numeric Material Error. LE's dated XXX: Other Considerations - Assumption does not match Note/ Product. | (No Data) | Exception changed to Non-Material (L2) per XXX Compliance Review. | Non-Numeric | Not Applicable |
| 973516 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 770694 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B C | Compliance | TILA/RESPA Integrated Disclosure | Active | N/A C | N/A C | CMPTRID4366 | TRID - CD: Value entered in field is illegible | Yes | (No Data) | (No Data) | (No Data) | Hybrid | (No Data) |
| 770694 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | Non Numeric ErrorCD XXX: Other Costs Prepaids prepaid interest missing to and from dates.Cured with CD XXX | (No Data) | Cured with CD XXX | Hybrid | Not Applicable |

---

## Exhibit 99.8

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Client Name:** |  |
| &nbsp;&nbsp;**Client Project Name:** | &nbsp;&nbsp;**BRAVO 2026-NQMR1** |
| &nbsp;&nbsp;**Start - End Dates:** | &nbsp;&nbsp;**2/20/2016 - 6/14/2022** |
| &nbsp;&nbsp;**Deal Loan Count:** | &nbsp;&nbsp;**8** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| &nbsp;&nbsp;***Loans in Report:*** | &nbsp;&nbsp;*8* |
| &nbsp;&nbsp;***Loans with Conditions:*** | &nbsp;&nbsp;*4* |

---

---

| | | |
|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** |
| 204498 | XXXXXX | XXXXXX A |
| 961191 | XXXXXX | XXXXXX A |
| 515621 | XXXXXX | XXXXXX C |
| 518336 | XXXXXX | XXXXXX C |
| 814373 | XXXXXX | XXXXXX A |
| 269085 | XXXXXX | XXXXXX B |
| 973516 | XXXXXX | XXXXXX A |
| 770694 | XXXXXX | XXXXXX B C |

---

## Exhibit 99.8

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Client Name:** |  |
| &nbsp;&nbsp;**Client Project Name:** | &nbsp;&nbsp;**BRAVO 2026-NQMR1** |
| &nbsp;&nbsp;**Start - End Dates:** | &nbsp;&nbsp;**2/20/2016 - 6/14/2022** |
| &nbsp;&nbsp;**Deal Loan Count:** | &nbsp;&nbsp;**384** |
| **ATR QM Upload** | **ATR QM Upload** |
| &nbsp;&nbsp;*Loans in Report:* | &nbsp;&nbsp;*384* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 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 |
| **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** | **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** |
| 779778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | Yes | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 8.4460 | No | No | 2.75 | (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) | -2198.31 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 999 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 0.01 | No | (No Data) | 89.6400 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Lease Agreement - 999 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 486730 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.5182 | Yes | No | 3.168 | 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 | Documented | Documented | Documented | Documented | Documented | 48.84 | 35.77 | 48.84 | 36.11 | 32.07 | 32.07 | Yes | Yes | Yes | 8905.51 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 0 | 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) | Yes | (No Data) | 24 | 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 Data) | (No Data) | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> P & L - 24 months;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 981559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.8410 | No | No | 3.657 | 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 | 49.81 | 49.43 | 49.81 | 52.33 | 46.8 | 49.43 | Yes | Yes | Yes | 2265.46 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | 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 Data) | (No Data) | 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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> Personal Bank Statements - 14 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 745931 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (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) | No | Yes | 1 | 8.5624 | No | No | 0.341 | 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 | 45.71 | 43.44 | 45.71 | 47.94 | 43.44 | 43.44 | Yes | Yes | Yes | 6708.04 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | 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) | Yes | (No Data) | 999 | 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 Data) | (No Data) | 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 | 2 | 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;<br> P & L - 999 months;<br> Personal Bank Statements - 2 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 718824 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7114 | No | No | 2.465 | Unavailable | (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 | 48.59 | 50.5 | 48.59 | 53.34 | 47.02 | 47.02 | Yes | Yes | Yes | 3529.51 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 999 | 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 Data) | (No Data) | 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 | 25 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 25 months;<br> P & L - 999 months;<br> Personal Bank Statements - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 284574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.6938 | Yes | Yes | 0.825 | 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 | 36.05 | 40.83 | 36.05 | 36.37 | 36.37 | 43.33 | No | Yes | Yes | 6550.34 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 0 | Yes | 0 | 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) | Yes | (No Data) | 999 | 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 Data) | (No Data) | 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 | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 999 months;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 0 months | Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 789210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 3.8750 | 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) | -1941.26 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.0818 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 701685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 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 | 5.6616 | Yes | Yes | 2.735 | Not Applicable | No | No | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.95 | 27.96 | 27.95 | 27.96 | 27.96 | 27.96 | Yes | Yes | Yes | 18999.87 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 12 | 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 Data) | (No Data) | 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) | 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> P & L - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851934 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.1547 | No | Yes | 1.11 | Unavailable | (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) | -8997.69 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 4 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 4 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 221692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.2513 | No | No | 2.5 | (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) | -5670.4 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.9100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 967812 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 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 | 4.9132 | Yes | Yes | 1.81 | Not Applicable | No | No | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.18 | 18.48 | 17.18 | 18.48 | 18.48 | 18.48 | Yes | Yes | Yes | 95658.93 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 24 | 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 Data) | (No Data) | 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 | 24 | 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;<br> P & L - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 214007 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7810 | Yes | Yes | 3.994 | 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 | 16.08 | 16.14 | 16.08 | 16.14 | 16.14 | 16.14 | Yes | Yes | Yes | 60745.56 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 3 | 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> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 583667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6959 | No | No | 3.15 | (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 | 47.32 | 0 | 47.32 | 47.32 | 48.26 | (No Data) | (No Data) | (No Data) | 9482.67 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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) | 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> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 334125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 4.9900 | No | No | 1.996 | (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) | -28038.96 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.8600 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 505116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.4449 | No | No | 1.226 | 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 | 43.83 | 45.78 | 43.83 | 43.83 | 43.83 | 46.34 | Yes | Yes | Yes | 10682.41 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 24 | Yes | (No Data) | 24 | 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 Data) | (No Data) | 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) | Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 615265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9398 | Yes | Yes | 2.787 | Not Applicable | No | No | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.41 | 38.41 | 38.41 | 38.41 | 38.41 | 38.41 | Yes | Yes | Yes | 7205.63 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 24 | 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 Data) | (No Data) | 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) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 827482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0045 | Yes | Yes | 2.005 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.67 | 38.43 | 41.67 | 37.96 | 37.96 | 38.43 | No | No | (No Data) | 10257.36 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 73 | 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) | Yes | (No Data) | 15 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 24 months;<br> P & L - 15 months;<br> Verbal VOE with Income - 73 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 132277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (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 | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.9996 | Yes | No | 3 | (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 | 22.29 | 0 | 22.29 | 22.29 | 22.29 | (No Data) | (No Data) | (No Data) | 24444.71 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 1 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 800715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.3208 | No | No | 3 | (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) | -4227.13 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 4650.00 | No | (No Data) | 1.3800 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 707558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5924 | Yes | Yes | 2.056 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.59 | 42.59 | 42.59 | 42.59 | 42.59 | 42.59 | No | No | (No Data) | 7187.19 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 12 | 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 Data) | (No Data) | 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) | Verbal VOE with Income - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 287141 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.8750 | Yes | No | 3 | (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 | 39.49 | 0 | 39.49 | 39.49 | 39.49 | (No Data) | (No Data) | (No Data) | 7437.61 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 24 | 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 Data) | (No Data) | 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) | Verbal VOE with Income - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 770717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.6317 | No | No | 3.897 | 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 | 49.31 | 49.31 | 49.31 | 49.31 | 49.31 | 49.31 | No | No | (No Data) | 2681.03 | (No Data) | 0 | (No Data) | (No Data) | 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 | 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) | Yes | (No Data) | 160 | 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 Data) | (No Data) | 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 - 24 months;<br> Written VOE - 160 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 230576 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 20% of OPB if amt prepd in 12 mos is >20% of UPB | (No Data) | Yes | Yes | 1 | 7.1887 | No | No | 16.12 | (No Data) | (No Data) | (No Data) | 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) | (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) | -11057.59 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 3250.00 | 0.4900 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 931477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | ATR Risk: Non-QM - Lender did not document all ATR UW factors | XXXXXX | 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 | 5.1156 | Yes | Yes | 1.241 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.65 | 16.65 | 16.65 | 16.65 | 16.65 | 16.65 | Yes | Yes | Yes | 59326.24 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 441849 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1250 | Yes | 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 | 36.16 | 0 | 36.16 | 36.16 | 36.16 | (No Data) | (No Data) | (No Data) | 22980.2 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 173 | 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) | Yes | (No Data) | 16 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 173 | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> CPA Letter with Income - 173 months;<br> P & L - 16 months;<br> Verbal VOE with Income - 173 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 179086 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (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 | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 5.8735 | No | No | 4 | (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) | -33239.33 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.1514 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 399793 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1700 | Yes | Yes | 2.843 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.56 | 24.41 | 25.56 | 24.41 | 24.41 | 25.18 | No | No | (No Data) | 5669 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 24 months;<br> Verbal VOE with Income - 30 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 557883 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1206 | Yes | Yes | 2.72 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.51 | 38.85 | 39.51 | 37.54 | 37.54 | 38.85 | No | No | (No Data) | 6252.13 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 26 | Yes | 54 | 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) | Yes | (No Data) | 16 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 36 | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 36 months;<br> P & L - 16 months;<br> Verbal VOE with Income - 26 months | CPA Letter with Income - 36 months;<br> Verbal VOE with Income - 54 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 300060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 5.8750 | 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 | 45.65 | 0 | 45.65 | 45.65 | 45.65 | (No Data) | (No Data) | (No Data) | 12027.16 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 216 | 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) | Yes | (No Data) | 15 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 120 months;<br> Lease Agreement - 12 months;<br> P & L - 15 months;<br> Verbal VOE with Income - 216 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 283917 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 5.8718 | Yes | Yes | 1.096 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.49 | 37.49 | 37.49 | 35.39 | 35.39 | 37.49 | No | No | (No Data) | 11306.66 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 28 | 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 Data) | (No Data) | 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) | Verbal VOE with Income - 48 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 126052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | 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 | 6.1250 | Yes | 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 | 39 | 0 | 39 | 39 | 39 | (No Data) | (No Data) | (No Data) | 7507.75 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 228 | 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) | Yes | (No Data) | 15 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 228 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 228 months;<br> P & L - 15 months;<br> Verbal VOE with Income - 228 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 255159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3750 | Yes | 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 | 32.24 | 0 | 32.24 | 32.24 | 32.24 | (No Data) | (No Data) | (No Data) | 19262.28 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 38 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 38 | 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) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | 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) | Lease Agreement - 36 months;<br> Verbal VOE with Income - 38 months;<br> Written VOE - 38 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 876991 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8750 | Yes | 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 | 35.31 | 0 | 35.31 | 35.31 | 35.31 | (No Data) | (No Data) | (No Data) | 14104.69 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 183 | 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) | Yes | (No Data) | 15 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 36 months;<br> P & L - 15 months;<br> Verbal VOE with Income - 183 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 831861 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1965 | Yes | Yes | 2.655 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.58 | 29.58 | 29.58 | 29.58 | 29.58 | 29.58 | No | No | (No Data) | 5653.85 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 60 | 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) | Yes | (No Data) | 16 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 60 months;<br> Lease Agreement - 12 months;<br> P & L - 16 months;<br> Verbal VOE with Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 366055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.9767 | No | No | 0.649 | 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 | 45.84 | 45.84 | 45.84 | 45.84 | 45.84 | 45.84 | No | No | (No Data) | 4983 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 16 | 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 Data) | (No Data) | 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) | P & L - 16 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 831044 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0717 | Yes | Yes | 2.358 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.73 | 38.73 | 38.73 | 38.73 | 38.73 | 38.73 | No | No | (No Data) | 8730.51 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 48 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | 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) | Lease Agreement - 12 months;<br> Verbal VOE with Income - 36 months;<br> Written VOE - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 433257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 4 | (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) | -1756.1 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.1390 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 298170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0186 | Yes | Yes | 1.572 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.15 | 34.08 | 34.15 | 32.79 | 32.79 | 34.08 | No | No | (No Data) | 13795.21 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 29 | 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) | Yes | (No Data) | 15 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 24 months;<br> P & L - 15 months;<br> Verbal VOE with Income - 29 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 124547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9961 | Yes | Yes | 2.06 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.31 | 35.73 | 36.31 | 35.04 | 35.04 | 35.73 | No | No | (No Data) | 3999.84 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 24 | 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) | Yes | (No Data) | 16 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 24 months;<br> P & L - 16 months;<br> Verbal VOE with Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 157605 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4052 | No | No | 1.442 | Unavailable | (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 | 44.21 | 44.21 | 44.21 | 44.21 | 44.21 | 44.21 | No | No | (No Data) | 6248.58 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 96 | 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) | Yes | (No Data) | 16 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 24 months;<br> P & L - 16 months;<br> Verbal VOE with Income - 96 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 594577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (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 | Yes | 1 | 5.9015 | No | No | 3.044 | 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 | 48.72 | 48.9 | 48.72 | 47.54 | 47.54 | 48.9 | No | No | (No Data) | 2727.9 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 28 | 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 Data) | (No Data) | 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) | Verbal VOE with Income - 48 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 389643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2167 | Yes | Yes | 2.925 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.03 | 34 | 34.03 | 34 | 34 | 34 | No | No | (No Data) | 3255.6 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 36 | 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 Data) | (No Data) | 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) | Verbal VOE with Income - 36 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 285449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.9736 | No | No | 2.425 | 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 | 48.93 | 47.93 | 48.93 | 45.31 | 45.31 | 47.93 | No | No | (No Data) | 3566.82 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 24 | 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 Data) | (No Data) | 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) | Verbal VOE with Income - 36 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 785520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8169 | Yes | No | 1.212 | 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 | 43.7 | 42.32 | 43.7 | 40.33 | 40.33 | 42.32 | No | No | (No Data) | 8711.8 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 28 | Yes | 28 | No | (No Data) | No | (No Data) | Yes | (No Data) | 28 | Yes | (No Data) | 28 | 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 Data) | (No Data) | 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) | Verbal VOE with Income - 28 months;<br> Written VOE - 28 months | Verbal VOE with Income - 28 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 494394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 6.2315 | No | No | 10.122 | (No Data) | (No Data) | (No Data) | 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) | (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) | -1720.05 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2265.00 | No | (No Data) | 1.6700 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 475193 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (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) | No | Yes | 1 | 6.0944 | Yes | No | 2.246 | Unavailable | (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 | 43.01 | 41.37 | 43.01 | 41.37 | 41.37 | 41.37 | No | No | (No Data) | 3928.09 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 29 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 28 | 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 Data) | (No Data) | 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) | Verbal VOE with Income - 29 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 391657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 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 | 5.8099 | 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) | -2045.51 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 782418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9429 | Yes | Yes | 1.237 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43 | 42.44 | 43 | 41.09 | 41.09 | 42.44 | No | No | (No Data) | 9425.41 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 49 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 51 | 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 Data) | (No Data) | 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) | Verbal VOE with Income - 49 months;<br> Written VOE - 51 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 110075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 4 | (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) | -11334.39 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.6110 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 246392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (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 | 7.3932 | Yes | Yes | 3.016 | 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 | 26.38 | 26.51 | 26.38 | 26.51 | 26.5 | 26.51 | No | No | (No Data) | 7478.12 | (No Data) | 0 | (No Data) | (No Data) | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 27 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 28 | 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 Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 27 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 651478 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.2002 | Yes | No | 1.7 | (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 | 37.93 | 0 | 37.93 | 37.93 | 39.51 | (No Data) | (No Data) | (No Data) | 44589.51 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | 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;<br> CPA Letter without Income - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 236055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 4.9370 | Yes | Yes | 1.926 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.16 | 18.18 | 18.16 | 20.25 | 18.18 | 18.18 | No | No | (No Data) | 41269.19 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 108 | 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) | CPA Letter without Income - 108 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 513003 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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) | No | Yes | 1 | 7.1852 | No | No | 2.956 | Unavailable | (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 | 49.94 | 49.89 | 49.94 | 49.89 | 49.89 | 49.89 | No | No | (No Data) | 1988.87 | (No Data) | 0 | (No Data) | (No Data) | Yes | 03/27/2019 | 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 Data) | (No Data) | 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) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166097 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7636 | Yes | Yes | 1.62 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.73 | 39.12 | 38.83 | 35.9 | 35.9 | 39.12 | No | Yes | Yes | 20522.54 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | 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;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 608508 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | Mixed Use | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.4224 | Yes | Yes | 1.678 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.27 | 26.24 | 26.27 | 26.24 | 26.24 | 26.24 | No | Yes | Yes | 12734.22 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | 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 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 133247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 5.8726 | No | No | 4.044 | 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 | 49.1 | 49.2 | 49.1 | 49.2 | 49.2 | 49.2 | No | Yes | Yes | 2376.91 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 384635 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.1838 | No | No | 3.025 | 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 | 49.9 | 48.7 | 49.9 | 48.7 | 48.7 | 48.7 | No | Yes | Yes | 2206.51 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 613335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | 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 | 5.7500 | 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) | -5159.32 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2025.00 | No | (No Data) | 1.0690 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 469448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8501 | Yes | Yes | 3.365 | 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 | 30.74 | 32.59 | 30.74 | 35.45 | 32.59 | 32.59 | Yes | Yes | Yes | 5929.39 | (No Data) | 0 | (No Data) | (No Data) | 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 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 9 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | 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 | 7.8751 | 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) | -4725.03 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.1913 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 963677 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.6940 | Yes | Yes | 2.984 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.96 | 19.37 | 19.96 | 19.37 | 19.37 | 19.37 | No | Yes | Yes | 10449.3 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 210942 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6255 | Yes | Yes | 2.751 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.19 | 31.19 | 31.19 | 31.19 | 31.19 | 31.19 | Yes | Yes | Yes | 3883.83 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | 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;<br> CPA Letter with Income - 1 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 549220 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.8575 | Yes | Yes | 3.416 | 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 | 36.91 | 37.62 | 36.91 | 37.62 | 37.62 | 37.62 | Yes | Yes | Yes | 11627.98 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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 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 Data) | (No Data) | 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) | Business Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 754314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.0369 | Yes | Yes | 3.352 | 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 | 40.65 | 32.82 | 40.65 | 32.82 | 32.82 | 32.82 | Yes | Yes | No | 2166.5 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | Yes | 1 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 989152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.1103 | Yes | Yes | 4.682 | Unavailable | (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 | 37.25 | 30.22 | 37.25 | 30.22 | 30.22 | 30.22 | No | Yes | Yes | 3839.57 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 11 | 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 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 Data) | (No Data) | 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) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | 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) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 11 months;<br> W2 - 24 months | Award Letter - 1 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 950684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 5.0463 | Yes | Yes | 0.326 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.45 | 41.45 | 41.45 | 41.45 | 41.45 | 41.45 | No | Yes | Yes | 5218.69 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 880851 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.7142 | No | No | 4.086 | 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 | 51.55 | 49.4 | 51.55 | 49.4 | 49.4 | 49.4 | Yes | Yes | Yes | 3086.87 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 Data) | (No Data) | 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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 939629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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) | No | No | 1 | 6.8656 | Yes | Yes | 2 | 2.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.84 | 28.84 | 28.84 | 28.84 | 28.84 | 28.84 | Yes | Yes | Yes | 13381 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 318857 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | 4 Family | 4 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4113 | Yes | Yes | 1.463 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.42 | 40.34 | 40.42 | 40.34 | 40.34 | 40.34 | No | Yes | Yes | 4415.42 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 24 | 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 Data) | (No Data) | 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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 598411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.2107 | Yes | Yes | 3.1 | Unavailable | (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 | 28.46 | 28.46 | 28.46 | 28.46 | 28.46 | 28.46 | No | Yes | Yes | 9634.77 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 514180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5558 | Yes | Yes | 2.919 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.92 | 41.34 | 40.92 | 41.34 | 41.34 | 41.35 | No | Yes | Yes | 1759.66 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 957246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 4 | (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) | -3629.85 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.4531 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 860650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3730 | Yes | Yes | 3.962 | 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 | 31.04 | 31.04 | 31.04 | 31.04 | 31.04 | 31.04 | No | No | (No Data) | 3635.25 | (No Data) | 0 | (No Data) | (No Data) | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 73 | 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) | Yes | (No Data) | 3 | 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 Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 73 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 272364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.2869 | Yes | Yes | 3.398 | 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 | 9.13 | 8.57 | 9.13 | 8.57 | 8.57 | 8.57 | No | No | (No Data) | 15999.55 | (No Data) | 0 | (No Data) | (No Data) | Not Applicable | (No Data) | Not Applicable | (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) | Yes | 182 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 42 | 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 Data) | (No Data) | 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) | Verbal VOE with Income - 182 months;<br> Written VOE - 42 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 467665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 5.7491 | No | No | 4 | (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) | -17478.26 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.1490 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 204498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | (No Data) | Present | QM: Rebuttable Presumption | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | No | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3388 | Yes | Yes | 1.889 | 5.000 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.21 | 31.53 | 31.21 | 31.53 | 31.53 | 31.53 | No | Yes | Yes | 7073.55 | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (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) | Yes | 1 | 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 Data) | (No Data) | 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 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 961191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | (No Data) | Present | QM: Rebuttable Presumption | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | No | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3371 | Yes | Yes | 0.81 | 5.000 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.16 | 21.21 | 20.16 | 21.21 | 21.21 | 21.21 | No | No | (No Data) | 9360.14 | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 0 | 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 Data) | (No Data) | 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 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 24 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 471065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 5.9250 | Yes | Yes | 1.844 | Unavailable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.2 | 35.26 | 33.2 | 35.26 | 35.26 | 35.26 | No | No | (No Data) | 23673.12 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 999 | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.0000 | (No Data) | Yes | 999 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 16 months;<br> CPA Letter with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 2 months;<br> Verbal VOE with Income - 999 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 794739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 6.4504 | Yes | Yes | 3.145 | Unavailable | (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 | 29.71 | 29.67 | 29.71 | 29.67 | 29.67 | 29.67 | No | No | (No Data) | 5770.25 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 999 | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.0000 | (No Data) | Yes | 999 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | 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 with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 2 months;<br> Verbal VOE with Income - 999 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 190364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0608 | Yes | Yes | 2.792 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.15 | 36.15 | 36.15 | 36.15 | 36.15 | 36.15 | No | No | (No Data) | 11541.13 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.0000 | (No Data) | Yes | 999 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | 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 with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 130848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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) | No | No | 1 | 6.7889 | Yes | Yes | 1.556 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.99 | 40.58 | 40.99 | 42.32 | 36.57 | 40.99 | No | No | (No Data) | 8567.3 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.0000 | (No Data) | Yes | 999 | 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) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> CPA Letter with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 334029 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 5.6184 | Yes | Yes | 1.218 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.31 | 30.93 | 29.31 | 30.93 | 30.93 | 30.93 | No | Yes | Yes | 24547.22 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 24 | 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;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 698597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6025 | Yes | Yes | 4.426 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.66 | 31.66 | 31.66 | 31.66 | 31.66 | 31.66 | No | Yes | Yes | 3585.25 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 24 | 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;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 130391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3634 | Yes | Yes | 4.425 | 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 | 26.66 | 28.71 | 26.66 | 28.71 | 28.71 | 28.71 | No | Yes | Yes | 3440.57 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | 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) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 24 | 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 Data) | (No Data) | 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 | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 358617 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.3400 | Yes | Yes | 3.999 | 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 | 23.53 | 23.24 | 23.53 | 23.24 | 23.24 | 23.24 | No | Yes | Yes | 5609.03 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 24 | 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;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 497554 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 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 | 5.9204 | Yes | Yes | 0.296 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.79 | 8.14 | 7.79 | 8.14 | 8.14 | 8.14 | No | Yes | Yes | 64277.98 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 24 | 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;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 476319 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1323 | Yes | No | 2.456 | 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 | 0 | 37.3 | 0 | 37.3 | 37.3 | 37.3 | No | Yes | Yes | 7551.17 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | 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) | 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;<br> CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 688110 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5480 | No | No | 2.985 | Unavailable | (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 | 47.39 | 46.6 | 47.39 | 46.6 | 46.6 | 46.6 | No | Yes | Yes | 4922.36 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | 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) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | (No Data) | 1 | 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 Data) | (No Data) | 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) | Yes | 24 | 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;<br> Paystub - 3 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 12 months;<br> Written VOE - 1 months | Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 318522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.5668 | No | Yes | 3.307 | 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 | 43 | 45.86 | 43 | 45.86 | 45.86 | 45.86 | No | Yes | Yes | 12052.8 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | 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 Data) | (No Data) | 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;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 459981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (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 | 8.1841 | 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) | -5805.87 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 0.9960 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 647699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.1753 | No | No | 3.144 | Unavailable | (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 | 45.33 | 45.34 | 45.33 | 45.34 | 45.34 | 45.34 | Yes | Yes | Yes | 9464.65 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | 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) | 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;<br> CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 380168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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) | No | No | 1 | 6.5304 | Yes | Yes | 1.589 | Unavailable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.31 | 25.31 | 25.31 | 25.31 | 25.31 | 25.31 | Yes | Yes | Yes | 24787.65 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | Yes | (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 Data) | (No Data) | 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 | 24 | 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;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 797271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3732 | Yes | Yes | 3.134 | 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 | 1.21 | 1.21 | 1.21 | 1.21 | 1.21 | 1.21 | No | Yes | Yes | 289843.11 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | 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) | 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;<br> CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 892986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.4179 | No | No | 1.589 | 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 | 48.83 | 48.83 | 48.83 | 48.83 | 48.83 | 48.83 | No | Yes | Yes | 8539 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | 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 Data) | (No Data) | 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 | 24 | 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;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 813598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5873 | No | No | 2.002 | 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 | 45.83 | 45.82 | 45.83 | 45.82 | 45.82 | 45.82 | No | Yes | Yes | 7519.81 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | 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;<br> CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months | CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 476948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7314 | Yes | Yes | 2.377 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.96 | 18.95 | 18.96 | 18.95 | 18.95 | 18.95 | No | Yes | Yes | 33034.48 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 24 | 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;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 278699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9302 | Yes | Yes | 3.669 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.7 | 20.7 | 20.7 | 20.7 | 20.7 | 20.7 | No | Yes | Yes | 3414.52 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | 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 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 Data) | (No Data) | 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) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 451486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.2718 | Yes | Yes | 4.794 | 4.798 | (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 | 39.3 | 39.31 | 39.3 | 39.31 | 39.31 | 39.31 | No | Yes | Yes | 2955.04 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | (No Data) | 1 | Yes | (No Data) | 1 | 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 Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 116713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 6.2500 | No | No | 2.5 | (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) | -5941.29 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.0084 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 746144 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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) | No | Yes | 1 | 6.9535 | No | No | 1.152 | Unavailable | (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 | 48.49 | 48.21 | 48.49 | 48.21 | 48.21 | 48.21 | No | Yes | Yes | 4264.07 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | 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) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 802036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2000 | Yes | Yes | 0.496 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.71 | 36.71 | 36.71 | 36.71 | 36.71 | 36.71 | No | Yes | Yes | 7368.8 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 697428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | 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 | 6.6250 | 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) | -7462.43 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2543.43 | No | (No Data) | 1.3368 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 683778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9831 | Yes | Yes | 0.759 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.87 | 19.49 | 36.87 | 19.49 | 19.49 | 19.49 | No | Yes | Yes | 10376.27 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 440156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | 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) | -6310.63 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 1770.00 | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 442300 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.7895 | Yes | Yes | 2.28 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.26 | 27.57 | 27.26 | 30.21 | 27.57 | 27.57 | No | Yes | Yes | 25318.63 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | 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) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 487434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1942 | Yes | Yes | 0.476 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.95 | 22.95 | 22.95 | 22.95 | 22.95 | 22.95 | No | Yes | Yes | 10097.17 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | 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 - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 198907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | 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 | 7.6851 | 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) | -10123.34 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.0564 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 312650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.9722 | No | No | 0 | 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 | 45.59 | 45.93 | 45.59 | 45.93 | 45.93 | 45.93 | No | Yes | No | 2035.51 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 169889 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 5.1379 | Yes | Yes | 0.204 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.41 | 37.72 | 40.41 | 37.72 | 37.72 | 37.72 | Yes | Yes | Yes | 49701.9 | (No Data) | 0 | (No Data) | (No Data) | 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 | 12 | Yes | 12 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 8 | 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 Data) | (No Data) | 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 | 12 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> P & L - 8 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 542501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8986 | No | Yes | 0.163 | 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 | 42.62 | 43.73 | 42.62 | 43.73 | 43.73 | 43.73 | No | Yes | Yes | 13036.85 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | 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 | (No Data) | 24 | 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 Data) | (No Data) | 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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 889462 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1921 | Yes | Yes | 0.52 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.59 | 7.6 | 7.59 | 7.6 | 7.6 | 7.6 | No | Yes | Yes | 34251.87 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 294012 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 1% of UPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 1 | (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) | -4410.17 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1800.00 | 1.1900 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 429958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4846 | No | No | 4.569 | 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 | 48.15 | 48.06 | 48.15 | 48.06 | 48.06 | 48.06 | Yes | Yes | No | 1529.25 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | 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 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 Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 891328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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) | No | Yes | 1 | 6.2784 | No | No | 1.522 | 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 | 53.85 | 54.54 | 53.85 | 54.54 | 54.54 | 54.54 | No | Yes | Yes | 3668.31 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 281088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8624 | Yes | Yes | 1.044 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.26 | 11.26 | 11.26 | 11.26 | 11.26 | 11.26 | Yes | Yes | Yes | 45445.96 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | Yes | 1 | 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 Data) | (No Data) | 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 | 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) | Business Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | Business Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 833893 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9127 | Yes | Yes | 0 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.64 | 35.7 | 35.64 | 35.7 | 35.7 | 35.7 | Yes | Yes | Yes | 19329.87 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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) | 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) | Yes | (No Data) | 23 | 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 Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 23 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 806787 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.2420 | Yes | Yes | 1.35 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.75 | 4.76 | 4.75 | 4.76 | 4.76 | 4.76 | No | Yes | Yes | 407874.39 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 668205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (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 | No | (No Data) | (No Data) | No | Yes | 1 | 5.7500 | 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) | -15071.35 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1469.00 | 1.3734 | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 1 months;<br> DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 12 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 861230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8791 | Yes | Yes | 2.273 | Unavailable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.33 | 14.33 | 13.57 | 14.33 | 14.33 | 14.33 | Yes | Yes | Yes | 36515.64 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | Yes | (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) | Yes | 1 | 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 Data) | (No Data) | 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> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 492663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3494 | Yes | Yes | 1.011 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.88 | 9.88 | 9.88 | 9.88 | 9.88 | 9.88 | No | Yes | Yes | 241658.92 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | 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;<br> CPA Letter without Income - 1 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 137047 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7565 | Yes | Yes | 1.784 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.3 | 42.12 | 9.3 | 42.12 | 42.12 | 42.12 | Yes | Yes | Yes | 2137.64 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 228861 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.6808 | Yes | Yes | 1.872 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.7 | 17.66 | 17.7 | 17.66 | 17.66 | 17.66 | Yes | Yes | Yes | 33939.29 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | 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 - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 587037 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.4137 | No | No | 2.08 | 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 | 43.01 | 44.54 | 43.01 | 44.54 | 44.54 | 44.54 | Yes | Yes | Yes | 2274.43 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 132 | No | (No Data) | No | (No Data) | 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;<br> CPA Letter without Income - 132 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 762582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 5.9831 | Yes | Yes | 3.766 | 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 | 13.89 | 13.88 | 13.89 | 13.88 | 13.88 | 13.88 | No | Yes | Yes | 7349.23 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 480958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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) | No | No | 1 | 5.6721 | Yes | Yes | 1.765 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.75 | 24.75 | 24.75 | 24.75 | 24.75 | 24.75 | Yes | Yes | Yes | 14012.67 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> CPA Letter with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 599344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7378 | Yes | Yes | 0.919 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 6.58 | 6.72 | 6.58 | 6.72 | 6.72 | 6.72 | Yes | Yes | Yes | 91742.89 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 531983 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1262 | No | Yes | 1.235 | Unavailable | (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 | 42.52 | 52.62 | 42.52 | 52.62 | 52.62 | 52.62 | No | Yes | Yes | 10537.18 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 957206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7786 | Yes | Yes | 2.991 | 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 | 21.88 | 19.16 | 21.88 | 19.07 | 16.67 | 17.66 | Yes | Yes | Yes | 18238.49 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 12 | 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) | Yes | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 12 | 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 Data) | (No Data) | 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 | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Written VOE - 1 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 564631 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5665 | Yes | Yes | 0.56 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.76 | 40.75 | 40.76 | 40.75 | 40.75 | 40.75 | No | Yes | Yes | 10494.94 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | 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 with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 970996 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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) | No | No | 1 | 8.4594 | Yes | Yes | 0 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.24 | 29.73 | 29.24 | 29.73 | 29.73 | 29.73 | No | No | (No Data) | 10300.57 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.0000 | (No Data) | Yes | 999 | 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) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> CPA Letter with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 597987 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | (No Data) | Present | QM: GSE Temporary - QM/SH | XXXXXX | 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 | 5.5021 | Yes | Yes | 1.338 | Unavailable | No | Yes | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.97 | 40.98 | 40.97 | 40.98 | 40.98 | 40.98 | No | Yes | Yes | 6862.01 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | 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) | (No Data) | Yes | (No Data) | 1 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 603117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9219 | Yes | Yes | 0.29 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.19 | 10.12 | 10.19 | 10.12 | 10.12 | 10.12 | No | No | (No Data) | 42031.18 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.0000 | (No Data) | Yes | 999 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | 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 with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 976510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6077 | Yes | Yes | 2.37 | Unavailable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.93 | 27.96 | 27.93 | 30.66 | 27.96 | 27.96 | No | No | (No Data) | 9979.28 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.0000 | (No Data) | Yes | 999 | 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) | CPA Letter with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 429556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.6242 | No | No | 4.972 | (No Data) | (No Data) | (No Data) | 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) | (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) | -3420.54 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.0230 | (No Data) | 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 | 4 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Personal Bank Statements - 4 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 829174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5292 | Yes | Yes | 2.504 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.48 | 23.48 | 23.48 | 23.48 | 23.48 | 23.48 | No | No | (No Data) | 8598.85 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | Yes | 12 | 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 - 48 months;<br> Personal Bank Statements - 2 months | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 696499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 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 | 5.8798 | Yes | Yes | 2.961 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.63 | 38.61 | 38.63 | 38.61 | 38.61 | 38.61 | No | No | (No Data) | 9545.79 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (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) | Yes | (No Data) | 54 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter with Income - 24 months;<br> Personal Bank Statements - 4 months;<br> Written VOE - 54 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 602760 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | 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 | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.4876 | Yes | No | 3.599 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.79 | 0 | 39.79 | 39.79 | 39.79 | (No Data) | (No Data) | (No Data) | 9362.62 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (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) | Yes | (No Data) | 25 | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months;<br> Lease Agreement - 1 months;<br> Personal Bank Statements - 4 months;<br> Written VOE - 25 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 707550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 5.8384 | Yes | Yes | 2.153 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.1 | 9.1 | 9.1 | 9.1 | 9.1 | 9.1 | No | No | (No Data) | 233617.67 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 10 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 16 months;<br> Personal Bank Statements - 10 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 695083 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6446 | No | No | 2.587 | (No Data) | (No Data) | (No Data) | 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) | (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) | -2191.01 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 16 | Yes | 16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.1840 | (No Data) | 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 | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Lease Agreement - 16 months;<br> Personal Bank Statements - 3 months | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 16 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 266120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7383 | Yes | No | 2 | 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 | 37.58 | 37.58 | 0 | 37.58 | 37.58 | 37.58 | No | No | (No Data) | 10910.86 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 15 months;<br> CPA Letter without Income - 72 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 436076 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (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 | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.3535 | No | No | 3.556 | (No Data) | (No Data) | (No Data) | 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) | (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) | -1817.64 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.4850 | (No Data) | 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 | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months;<br> Lease Agreement - 1 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 421753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.9967 | No | No | 2.226 | (No Data) | (No Data) | (No Data) | 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) | (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) | -2000.07 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.0500 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Lease Agreement - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 816883 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.1023 | No | No | 3.231 | (No Data) | (No Data) | (No Data) | 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) | (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) | -1441.52 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.0060 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 933334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | 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 | 6.6313 | No | No | 2.159 | (No Data) | (No Data) | (No Data) | 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) | (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) | -2995.1 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.0020 | (No Data) | 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 | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 496380 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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) | No | No | 1 | 6.5243 | Yes | Yes | 2.741 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.08 | 29.08 | 29.08 | 29.46 | 27.8 | 29.08 | No | No | (No Data) | 37519.52 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 2 | 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 with Income - 24 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 807457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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) | Yes | No | 1 | 5.9773 | Yes | Yes | 3.503 | Unavailable | (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 | 25.13 | 25.13 | 25.13 | 25.13 | 25.13 | 25.13 | No | No | (No Data) | 9626.15 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | 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 - 84 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 308142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0704 | Yes | Yes | 2.718 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.99 | 34.99 | 34.99 | 36.99 | 34.99 | 34.99 | No | No | (No Data) | 8951.61 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 9 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 16 months;<br> Personal Bank Statements - 9 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 991483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 5.8845 | Yes | Yes | 4.776 | Unavailable | (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 | 13.63 | 13.63 | 13.63 | 13.63 | 13.63 | 13.63 | No | No | (No Data) | 97811.83 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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) | 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> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 895740 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3390 | No | No | 3.126 | Unavailable | (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 | 49.3 | 49.3 | 49.3 | 55.1 | 49.26 | 49.3 | No | No | (No Data) | 3122 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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 | (No Data) | 36 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 12 months;<br> W2 - 24 months;<br> Written VOE - 36 months | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 956960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7412 | Yes | Yes | 2.295 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 14.54 | 14.54 | 14.54 | 14.54 | 14.54 | 14.54 | No | No | (No Data) | 34167.89 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | 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 with Income - 240 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 991604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.4610 | No | No | 2.926 | (No Data) | (No Data) | (No Data) | 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) | (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) | -1087.45 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.1494 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months;<br> Lease Agreement - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | 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 | 7.7077 | No | No | 2.627 | (No Data) | (No Data) | (No Data) | 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) | (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) | -1869.33 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.2190 | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 4 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 4 months;<br> CPA Letter with Income - 120 months;<br> DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 198144 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.0833 | No | No | 2.976 | (No Data) | (No Data) | (No Data) | 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) | (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) | -979.19 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.5310 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Lease Agreement - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 300674 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.2762 | No | No | 3.094 | (No Data) | (No Data) | (No Data) | 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) | (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) | -3138.09 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.4020 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 354419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3004 | Yes | Yes | 0.503 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | No | No | (No Data) | 10903.02 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | 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) | 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) | Award Letter - 12 months;<br> CPA Letter without Income - 60 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 828476 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2975 | Yes | Yes | 0.497 | Unavailable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.78 | 40.02 | 40.78 | 40.02 | 40.02 | 40.02 | No | No | (No Data) | 5700.2 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 144 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | 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 - 144 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 974236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.4780 | No | No | 2.421 | (No Data) | (No Data) | (No Data) | 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) | (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) | -1999.79 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 662700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.2221 | No | No | 3.118 | (No Data) | (No Data) | (No Data) | 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) | (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) | -774 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.0980 | (No Data) | 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 | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months;<br> Lease Agreement - 24 months;<br> Personal Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 840206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | 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 | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.3372 | No | No | 3.366 | (No Data) | (No Data) | (No Data) | 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) | (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) | -926.13 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.2960 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 256630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7823 | No | No | 2.533 | (No Data) | (No Data) | (No Data) | 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) | (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) | -1240.53 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.2570 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months;<br> Lease Agreement - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 299499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4642 | No | No | 3.011 | (No Data) | (No Data) | (No Data) | 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) | (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) | -1039.34 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.3470 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 653386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.0541 | No | No | 3.857 | (No Data) | (No Data) | (No Data) | 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) | (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) | -608.6 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.3140 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 414208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0050 | No | No | 3.365 | (No Data) | (No Data) | (No Data) | 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) | (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) | -678.57 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.6500 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 996516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.5164 | No | No | 2.616 | (No Data) | (No Data) | (No Data) | 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) | (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) | -1404.32 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.2100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 563727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 5.8038 | Yes | Yes | 1.964 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.9 | 42.9 | 42.9 | 42.9 | 42.9 | 42.9 | No | No | (No Data) | 7087.53 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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) | CPA Letter without Income - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 498927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5051 | Yes | Yes | 3.307 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.21 | 38.21 | 38.21 | 38.21 | 38.21 | 38.21 | No | No | (No Data) | 5843.03 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 16 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 494695 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.5101 | No | No | 2.777 | (No Data) | (No Data) | (No Data) | 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) | (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) | -4660.97 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.1550 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Lease Agreement - 15 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 961884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1152 | No | No | 2.595 | (No Data) | (No Data) | (No Data) | 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) | (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) | -1275.32 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.2150 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 486345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.1384 | No | No | 4.209 | (No Data) | (No Data) | (No Data) | 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) | (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) | -7950.67 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 0.01 | 2.8710 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 603180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.1833 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.11 | 0 | 26.11 | 26.11 | 26.49 | (No Data) | (No Data) | (No Data) | 19794.4 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 14 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 38 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 38 months;<br> Lease Agreement - 1 months;<br> P & L - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 903698 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2855 | No | No | 2.841 | 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 | 48.57 | 47.94 | 48.57 | 45.03 | 45.03 | 48.58 | No | No | (No Data) | 4146.84 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 12 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 72 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 594495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.3067 | Yes | No | 3.223 | 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 | 45.06 | 43.5 | 45.06 | 41.57 | 41.57 | 44.11 | No | No | (No Data) | 5258.71 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 26 | 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 Data) | (No Data) | 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) | Written VOE - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 250902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (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 | 6.3750 | 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 | 44.81 | 0 | 44.81 | 44.81 | 44.81 | (No Data) | (No Data) | (No Data) | 4202.42 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 26 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Lease Agreement - 12 months;<br> Personal Bank Statements - 10 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 158306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 5.9946 | Yes | 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 | 40.69 | 0 | 40.69 | 40.69 | 42.42 | (No Data) | (No Data) | (No Data) | 6923.62 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 186 | 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) | Yes | (No Data) | 15 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | Yes | 186 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Lease Agreement - 12 months;<br> P & L - 15 months | CPA Letter with Income - 186 months;<br> Verbal VOE with Income - 186 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 230253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.3493 | Yes | Yes | 3.328 | Unavailable | (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 | 42 | 41.8 | 42 | 39.3 | 39.3 | 42 | No | No | (No Data) | 3035.17 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 50 | 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 Data) | (No Data) | 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 | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 1 months;<br> Written VOE - 50 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 348225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2320 | Yes | Yes | 2.983 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.93 | 34.77 | 34.93 | 33.3 | 33.3 | 34.77 | No | No | (No Data) | 4909.27 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 15 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> CPA Letter without Income - 24 months;<br> P & L - 15 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 296918 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.7102 | Yes | Yes | 3.278 | Unavailable | (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 | 39.52 | 39.52 | 39.52 | 39.52 | 39.52 | 39.52 | No | No | (No Data) | 3552.54 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 15 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 216 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 216 months;<br> Lease Agreement - 12 months;<br> P & L - 15 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 387914 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.7878 | Yes | Yes | 3.484 | Unavailable | (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 | 42.62 | 42.62 | 42.62 | 42.62 | 42.62 | 42.62 | No | No | (No Data) | 3626.75 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 204 | 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) | Yes | (No Data) | 15 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 24 months;<br> P & L - 15 months;<br> Verbal VOE with Income - 204 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 337635 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3050 | Yes | Yes | 2.856 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.18 | 39.91 | 40.18 | 38.36 | 38.36 | 39.91 | No | No | (No Data) | 6462.49 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 15 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 15 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 962819 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 5.6250 | Yes | 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 | 20.08 | 0 | 20.08 | 20.08 | 20.08 | (No Data) | (No Data) | (No Data) | 37649.12 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 16 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 29 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 29 months;<br> Lease Agreement - 12 months;<br> P & L - 16 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 626472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 5.6250 | Yes | 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 | 25.36 | 0 | 25.36 | 25.36 | 25.36 | (No Data) | (No Data) | (No Data) | 34875.05 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 16 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 29 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 29 months;<br> Lease Agreement - 1 months;<br> P & L - 16 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 720277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3784 | Yes | No | 1.873 | Unavailable | (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 | 43.04 | 42.79 | 43.04 | 41.96 | 41.96 | 42.79 | No | No | (No Data) | 7254.75 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 42 | 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 Data) | (No Data) | 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 | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> Written VOE - 42 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 879668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1892 | Yes | 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 | 30.21 | 0 | 30.21 | 30.21 | 38.83 | (No Data) | (No Data) | (No Data) | 16125.08 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 15 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Lease Agreement - 12 months;<br> P & L - 15 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 354998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | 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 | 6.3750 | Yes | 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 | 41.96 | 0 | 41.96 | 41.96 | 41.96 | (No Data) | (No Data) | (No Data) | 5312.78 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Lease Agreement - 12 months;<br> Personal Bank Statements - 2 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 717500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | 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 | 6.3107 | 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 | 47.01 | 0 | 47.01 | 47.01 | 47.13 | (No Data) | (No Data) | (No Data) | 13517.23 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 120 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 15 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 24 months;<br> P & L - 15 months | Written VOE - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 592410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2515 | Yes | No | 2.351 | 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 | 45.73 | 45.36 | 45.73 | 42.64 | 42.64 | 45.36 | No | No | (No Data) | 9751.1 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 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 Data) | (No Data) | 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 | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 3 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 269397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1812 | Yes | No | 1.618 | 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 | 44.01 | 43.98 | 44.01 | 41.32 | 41.32 | 43.98 | No | No | (No Data) | 6577.1 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 28 | 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 Data) | (No Data) | 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 | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 3 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 116330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 6.0962 | Yes | Yes | 2.25 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.62 | 33.7 | 35.62 | 38.39 | 33.7 | 33.7 | Yes | Yes | Yes | 5004.7 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 17 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Lease Agreement - 12 months;<br> P & L - 17 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 369666 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6853 | No | No | 0.576 | 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 | 43.85 | 43.85 | 43.85 | 49.34 | 43.85 | 43.85 | Yes | Yes | Yes | 3127.49 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 24 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | 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) | 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;<br> CPA Letter without Income - 36 months;<br> P & L - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 531320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 5.6911 | No | No | 3.444 | 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 | 45.72 | 45.72 | 45.72 | 45.72 | 45.72 | 45.72 | Yes | Yes | Yes | 6076.81 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 12 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 24 | 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;<br> CPA Letter with Income - 24 months;<br> P & L - 12 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 723024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7427 | Yes | No | 0.702 | 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 | 45.77 | 37.26 | 45.77 | 37.26 | 37.26 | 37.26 | Yes | Yes | Yes | 4751.58 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | 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) | Yes | 1 | 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 Data) | (No Data) | 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 - 2 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 224385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.4308 | Yes | Yes | 3.106 | 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 | 13.68 | 13.74 | 13.68 | 13.74 | 13.74 | 13.74 | Yes | Yes | Yes | 50230.39 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 132 | 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) | 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;<br> CPA Letter with Income - 132 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 354594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3137 | Yes | Yes | 3.042 | 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 | 40.76 | 40.81 | 40.76 | 40.81 | 40.81 | 40.81 | Yes | Yes | Yes | 3676.61 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | 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) | Yes | (No Data) | 18 | 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 Data) | (No Data) | 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 | 24 | 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;<br> P & L - 18 months;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 684405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7324 | Yes | Yes | 2.726 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.5 | 37.38 | 33.5 | 37.38 | 37.38 | 37.38 | Yes | Yes | Yes | 5386.47 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 24 | 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 Data) | (No Data) | 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) | 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> P & L - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 335470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6273 | Yes | Yes | 0.809 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 8.18 | 8.16 | 8.18 | 8.43 | 8.16 | 8.16 | Yes | Yes | Yes | 75765.18 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 24 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | 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) | 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;<br> CPA Letter without Income - 36 months;<br> P & L - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 991663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0563 | Yes | Yes | 2.703 | 2.703 | (No Data) | (No Data) | No | No | No | No | Yes | No | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.04 | 23.9 | 23.04 | 23.9 | 23.9 | 23.9 | No | No | (No Data) | 22694.14 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 1 | 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 Data) | (No Data) | 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 | 24 | 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;<br> Personal Bank Statements - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 990984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1529 | Yes | Yes | 3.319 | 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 | 39.53 | 39.26 | 39.53 | 39.26 | 39.26 | 39.26 | Yes | Yes | Yes | 3658.56 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 24 | 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 Data) | (No Data) | 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) | 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> P & L - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 241761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.5307 | No | No | 4.921 | 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 | 47.96 | 48.39 | 48.39 | 48.39 | 48.39 | 48.39 | Yes | Yes | Yes | 2055.25 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 28 | 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) | 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;<br> CPA Letter without Income - 28 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 739972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.2041 | No | No | 3.326 | 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 | 48.28 | 46.85 | 48.28 | 46.51 | 41.06 | 46.85 | Yes | Yes | Yes | 8251.31 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 309916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 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 | 5.2763 | Yes | Yes | 1.512 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.03 | 23.4 | 23.03 | 23.4 | 23.4 | 23.4 | No | Yes | Yes | 12217 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 18 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 96 | 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) | 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;<br> CPA Letter without Income - 96 months;<br> P & L - 18 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 882065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.6977 | Yes | Yes | 4.208 | 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 | 25.53 | 15.24 | 25.53 | 15.62 | 15.24 | 15.24 | Yes | Yes | Yes | 302635.13 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 0 | Yes | 0 | 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) | Yes | (No Data) | 18 | 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 Data) | (No Data) | 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 | 25 | Yes | 25 | 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;<br> P & L - 18 months;<br> Personal Bank Statements - 25 months;<br> Verbal VOE with Income - 0 months | Personal Bank Statements - 25 months;<br> Verbal VOE with Income - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 102344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6564 | Yes | Yes | 2.258 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.26 | 26.14 | 25.26 | 26.14 | 26.14 | 26.14 | Yes | Yes | Yes | 132465.9 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 24 | Yes | 24 | 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;<br> Personal Bank Statements - 24 months | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 729719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7418 | No | No | 3.207 | 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 | 45.73 | 43.92 | 45.73 | 48.54 | 43.92 | 43.92 | Yes | Yes | Yes | 6214.92 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | 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) | Yes | (No Data) | 31 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 12 | 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 - 24 months;<br> P & L - 31 months;<br> Personal Bank Statements - 12 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 495625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0778 | Yes | Yes | 0.577 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.14 | 36.37 | 25.14 | 36.37 | 36.37 | 36.37 | No | Yes | Yes | 5094.68 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 252 | 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) | 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;<br> CPA Letter without Income - 252 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 375910 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.7598 | No | No | 2.264 | 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 | 44.06 | 43.65 | 44.06 | 47.99 | 42.97 | 42.97 | Yes | Yes | Yes | 3161.51 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 646163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.8628 | Yes | Yes | 3.018 | Unavailable | (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 | 7.38 | 6.56 | 7.38 | 7.1 | 5.59 | 6.09 | Yes | Yes | Yes | 83410.55 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 523056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.0396 | Yes | Yes | 4.193 | 0.000 | No | Yes | 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 | 23.54 | 23.68 | 23.54 | 23.68 | 23.68 | 23.68 | Yes | Yes | Yes | 4169.52 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | 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;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 874526 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0256 | Yes | Yes | 2.057 | 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 | 39.38 | 44.56 | 39.38 | 34.88 | 34.88 | 39.38 | No | Yes | Yes | 6269.11 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 96 | 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) | CPA Letter without Income - 96 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 246223 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9317 | No | No | 1.77 | 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 | 54.95 | 54.95 | 54.95 | 61.52 | 54.95 | 54.95 | Yes | Yes | Yes | 4902.93 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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) | Yes | 1 | 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 Data) | (No Data) | 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> Verbal VOE with Income - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 942716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | Yes | 1 | 3.8586 | No | No | 1.24 | 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 | 45.64 | 45.64 | 45.64 | 45.64 | 45.64 | 45.64 | Yes | Yes | Yes | 6117.01 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 501284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 3.8581 | Yes | Yes | 1.252 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.04 | 42.04 | 42.04 | 42.04 | 42.04 | 42.04 | Yes | Yes | Yes | 6426.81 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 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 | 3.8650 | Yes | Yes | 1.297 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.07 | 28.93 | 12.07 | 28.93 | 28.93 | 28.93 | Yes | Yes | Yes | 9538.92 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 30 | 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) | CPA Letter without Income - 30 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 274984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 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 | 3.5931 | Yes | Yes | 1.116 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | Yes | Yes | Yes | 155971.26 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | 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) | 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 | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 769249 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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) | No | No | 1 | 3.4828 | Yes | Yes | 1.264 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.03 | 35.17 | 42.03 | 35.17 | 35.17 | 35.17 | Yes | Yes | Yes | 9561.78 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 496167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | No | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5656 | Yes | Yes | 1.739 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.92 | 37.91 | 37.92 | 37.91 | 37.91 | 37.91 | Yes | Yes | Yes | 12684.84 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 4 | 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 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 - 13 months;<br> CPA Letter without Income - 24 months;<br> Paystub - 4 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 743944 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 3.9906 | No | No | 1.3 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.16 | 43.16 | 43.16 | 43.16 | 43.16 | 43.16 | Yes | Yes | Yes | 4583.92 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 280513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.8750 | No | No | 3 | (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) | -1595.33 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 1800.00 | 1.1282 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 269087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (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 | 3.3619 | Yes | Yes | 2.908 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.52 | 41.52 | 41.52 | 41.52 | 41.52 | 41.52 | Yes | Yes | Yes | 4285.72 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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 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 Data) | (No Data) | 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) | W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 486795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (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%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.6250 | 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) | -848.58 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | No | (No Data) | Yes | 1545.00 | 1.8206 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 734258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | Yes | No | 4 | (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 | 23.45 | 0 | 23.45 | 23.45 | 23.45 | (No Data) | (No Data) | (No Data) | 18213.5 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 309941 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.4990 | No | No | 4 | (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) | -1495.57 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1445.00 | No | (No Data) | 0.9600 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 437419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (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) | -867.91 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 950.00 | No | (No Data) | 1.0946 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 684003 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.7096 | Yes | No | 0.001 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.86 | 0 | 41.86 | 41.86 | 46.71 | (No Data) | (No Data) | (No Data) | 2467.71 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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) | 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> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 634195 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4393 | Yes | Yes | 2.633 | 2.633 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.98 | 29.02 | 32.98 | 29.02 | 29.02 | 29.02 | No | No | (No Data) | 24909.16 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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) | Yes | 24 | 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;<br> IRS Transcripts – Tax Return(s) - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 515621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | No | Primary | Detached PUD | 1 | Conventional | No | No | No | No | No | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1391 | No | No | 1.321 | 5.000 | (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 | 50.04 | 50.04 | 50.04 | 50.04 | 50.04 | 50.04 | Yes | Yes | Yes | 9061.27 | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | 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) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 518336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | No | Primary | SFR | 1 | Conventional | No | No | No | No | No | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.3106 | No | No | 3.923 | 5.000 | (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 | 43.16 | 43.16 | 43.16 | 43.16 | 43.16 | 43.16 | Yes | Yes | Yes | 4505.41 | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | Yes | 3 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | 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) | Yes | 0 | Yes | 0 | 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 Data) | (No Data) | 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 - 3 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 0 months;<br> W2 - 24 months | Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 0 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 814373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Primary | Detached PUD | 1 | Conventional | No | No | No | No | No | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8937 | Yes | Yes | 2.17 | 3.000 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.25 | 42.9 | 42.25 | 42.9 | 42.9 | 42.9 | No | Yes | Yes | 3425.85 | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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) | Yes | 1 | 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 Data) | (No Data) | 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 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 269085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Primary | SFR | 1 | Conventional | No | No | No | No | No | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9316 | Yes | Yes | 2.694 | 5.000 | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.81 | 39.3 | 37.81 | 39.3 | 39.3 | 39.3 | Yes | Yes | Yes | 6821.77 | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | (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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 1 | 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 Data) | (No Data) | 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> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 973516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | No | Second Home | Mixed Use | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0536 | Yes | No | 1.611 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.18 | 0 | 32.18 | 32.18 | 32.18 | (No Data) | (No Data) | (No Data) | 19464.84 | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 770694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9716 | No | No | 3.395 | 5.000 | (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 | 48.35 | 48.35 | 48.35 | 52.65 | 48.35 | 48.35 | Yes | Yes | Yes | 6455.67 | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 1 | 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 Data) | (No Data) | 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 - 3 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 593271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (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 | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (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) | -8575.26 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 5450.00 | No | (No Data) | 0.6355 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 801555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (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) | -2029.76 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 1775.00 | No | (No Data) | 0.8744 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 830414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 3.4713 | Yes | Yes | 1.176 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.33 | 19.65 | 20.33 | 19.65 | 19.65 | 19.65 | Yes | Yes | Yes | 31437.14 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 314764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 3.5586 | Yes | Yes | 2.223 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.9 | 39.95 | 42.9 | 39.95 | 39.95 | 39.95 | Yes | Yes | Yes | 16606.68 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 526871 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached 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 | 3.9576 | Yes | Yes | 2.481 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.46 | 25.5 | 25.46 | 25.5 | 25.5 | 25.5 | Yes | Yes | Yes | 8830.85 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 84 | 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) | CPA Letter without Income - 84 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 949427 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | No | 1 | 4.3349 | Yes | Yes | 3.834 | 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 | 40.55 | 40.54 | 40.55 | 40.54 | 40.54 | 40.54 | Yes | Yes | Yes | 1904.19 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 240 | No | (No Data) | No | (No Data) | 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 | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 15 months;<br> CPA Letter without Income - 240 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 252275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | 3 Family | 3 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.0517 | Yes | Yes | 2.133 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.32 | 11.95 | 11.32 | 11.95 | 11.95 | 11.95 | Yes | Yes | Yes | 115544.33 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 4 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 12 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 109 | No | (No Data) | No | (No Data) | 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 - 109 months;<br> P & L - 12 months | Paystub - 4 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 883364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 3.9211 | No | No | 0.544 | 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 | 49.77 | 48.64 | 49.77 | 56.51 | 48.64 | 48.64 | Yes | Yes | Yes | 17374.5 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | 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 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Paystub - 3 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months | Award Letter - 1 months;<br> Business Bank Statements - 13 months;<br> CPA Letter without Income - 60 months;<br> Personal Bank Statements - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 674969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | Yes | 1 | 3.8778 | No | No | 1.446 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.7 | 48.53 | 49.7 | 48.53 | 48.53 | 48.53 | Yes | Yes | Yes | 4784.66 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 216 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 216 months;<br> Personal Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 323599 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (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) | -3410.03 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.0491 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 668105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 3.9817 | No | No | 2.245 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.75 | 45.75 | 45.75 | 45.75 | 45.75 | 45.75 | Yes | Yes | Yes | 2907.45 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 15 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 604922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 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 | 3.8504 | Yes | Yes | 2.564 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.26 | 36.26 | 36.26 | 36.26 | 36.26 | 36.26 | Yes | Yes | Yes | 8348 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 664248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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) | No | No | 1 | 4.1863 | Yes | Yes | 2.203 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.09 | 30.37 | 30.09 | 30.37 | 30.37 | 30.37 | Yes | Yes | Yes | 13678.89 | (No Data) | 0 | (No Data) | (No Data) | 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 | 36 | Yes | 36 | 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 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 Data) | (No Data) | 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> Personal Tax Return - 24 months;<br> W2 - 36 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 4.1788 | Yes | Yes | 1.684 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.47 | 37.47 | 37.47 | 37.47 | 37.47 | 37.47 | Yes | Yes | Yes | 4020.78 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | 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) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 976476 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 3.7591 | Yes | Yes | 1.297 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.8 | 31.56 | 30.8 | 31.56 | 31.56 | 31.56 | Yes | Yes | Yes | 12185.82 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | 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 | 5 | Yes | 5 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 5 months | Personal Bank Statements - 5 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 988453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 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 | 3.6639 | Yes | Yes | 1.943 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 2.61 | 1.31 | 2.61 | 1.31 | 1.31 | 1.31 | Yes | Yes | Yes | 311974.8 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 556293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 3.9981 | No | No | 2.884 | 0.000 | (No Data) | (No Data) | No | No | No | No | Yes | No | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.08 | 43.93 | 46.08 | 43.93 | 43.93 | 43.93 | No | No | (No Data) | 4251.1 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | 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) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 998593 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (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 | 3.5601 | Yes | Yes | 1.867 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.12 | 31.11 | 31.12 | 31.11 | 31.11 | 31.11 | Yes | Yes | Yes | 15420.58 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 889122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.8751 | No | No | 2.4 | (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) | -5880.27 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.1100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 139301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 3.4803 | Yes | Yes | 1.245 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.47 | 38.47 | 38.47 | 38.47 | 38.47 | 38.47 | Yes | Yes | Yes | 12845.69 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 468 | No | (No Data) | No | (No Data) | 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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months;<br> CPA Letter without Income - 468 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 436946 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 4.1525 | Yes | Yes | 1.538 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.45 | 27.45 | 27.45 | 27.45 | 27.45 | 27.45 | Yes | Yes | Yes | 11530.18 | (No Data) | 0 | (No Data) | (No Data) | Yes | 07/30/2019 | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 168 | No | (No Data) | No | (No Data) | 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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months;<br> CPA Letter without Income - 168 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 265497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 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 | 3.7924 | Yes | Yes | 2.022 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.09 | 31.09 | 31.09 | 31.09 | 31.09 | 31.09 | Yes | Yes | Yes | 13628.35 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 693663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 4.1600 | Yes | Yes | 1.82 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.66 | 12.67 | 12.66 | 12.67 | 12.67 | 12.67 | Yes | Yes | Yes | 51855.11 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 704511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 3.7533 | Yes | Yes | 1.447 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.81 | 35.02 | 34.81 | 35.02 | 35.02 | 35.02 | Yes | Yes | Yes | 7784.01 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 907487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3373 | Yes | Yes | 3.987 | 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 | 25.6 | 25.6 | 25.6 | 25.6 | 25.6 | 25.6 | Yes | Yes | Yes | 7808.26 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 96 | 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 Data) | (No Data) | 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 - 2 months;<br> Written VOE - 96 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 568435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (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 | 3.8430 | Yes | Yes | 2.347 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.5 | 37.5 | 37.5 | 37.5 | 37.5 | 37.5 | Yes | Yes | Yes | 5624.92 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 31 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 900096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | No | 1 | 4.1070 | Yes | Yes | 4.1 | 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 | 35.92 | 35.92 | 35.92 | 35.92 | 35.92 | 35.92 | Yes | Yes | Yes | 3872.88 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 168 | 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) | CPA Letter without Income - 168 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 3.6139 | Yes | Yes | 1.316 | Not Applicable | No | No | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.2 | 23.2 | 23.2 | 23.2 | 23.2 | 23.2 | Yes | Yes | Yes | 24164.63 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 16 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 913673 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (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) | -937.65 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 1380.00 | 1.4720 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 552463 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (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 | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (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) | -3308.71 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.4058 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 455190 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 4.3166 | No | No | 3.346 | 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 | 46.36 | 46.36 | 46.35 | 46.36 | 46.36 | 46.36 | Yes | Yes | No | 1980.27 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | Yes | 24 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 643247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 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 | 3.6274 | Yes | Yes | 1.478 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.63 | 23.63 | 23.63 | 23.63 | 23.63 | 23.63 | Yes | Yes | Yes | 5771.38 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | 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 | 13 | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months | Personal Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 415322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 3.5967 | Yes | Yes | 2.594 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.19 | 41.19 | 41.19 | 41.19 | 41.19 | 41.19 | No | Yes | Yes | 5112.07 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 879421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 3.4670 | Yes | Yes | 1.108 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.8 | 24.8 | 24.8 | 24.8 | 24.8 | 24.8 | Yes | Yes | Yes | 22560.55 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | 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 | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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) | No | No | 1 | 7.0387 | Yes | Yes | 1.591 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.16 | 19.86 | 18.16 | 19.86 | 19.86 | 19.86 | Yes | Yes | Yes | 49381.05 | (No Data) | 0 | (No Data) | (No Data) | 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 | 24 | 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 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 Data) | (No Data) | 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) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 3.8738 | Yes | Yes | 2.732 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.6 | 14.67 | 14.6 | 14.67 | 14.67 | 14.67 | Yes | Yes | Yes | 16804.27 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 315676 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 3.8877 | Yes | Yes | 3.079 | 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 | 33.36 | 33.26 | 33.36 | 33.26 | 33.26 | 33.26 | Yes | Yes | Yes | 5493.15 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 144 | No | (No Data) | No | (No Data) | 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 - 144 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 845743 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7581 | Yes | Yes | 3.616 | 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 | 31.81 | 31.81 | 31.81 | 31.81 | 31.81 | 31.81 | No | Yes | Yes | 5237.51 | (No Data) | 0 | (No Data) | (No Data) | Yes | 08/01/2017 | 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 | 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 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 Data) | (No Data) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 688495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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) | No | Yes | 1 | 4.2477 | No | No | 2.845 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.67 | 49.67 | 49.67 | 49.67 | 49.67 | 49.67 | No | Yes | Yes | 1460.95 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 796266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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) | No | No | 1 | 4.2007 | Yes | Yes | 2.405 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.21 | 7.21 | 7.21 | 7.21 | 7.21 | 7.21 | No | Yes | Yes | 53894.29 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 3.8141 | Yes | Yes | 2.218 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 | Yes | Yes | Yes | 171315.18 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 326308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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) | Rate and Term Refi | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 3.8750 | No | No | 4 | (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) | -3053.78 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.1461 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 703163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 3.7961 | Yes | Yes | 0.46 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.38 | 38.93 | 38.38 | 38.93 | 38.93 | 38.93 | Yes | Yes | Yes | 24378.78 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | 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 - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 668742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.8750 | No | No | 3 | (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) | -2653.43 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.3567 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 110321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 3.9975 | Yes | Yes | 1.269 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.34 | 33.34 | 33.34 | 33.34 | 33.34 | 33.34 | Yes | Yes | Yes | 33328.1 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 162104 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.8750 | No | No | 3 | (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) | -1379.54 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 1600.00 | 1.1598 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 324779 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.8750 | No | No | 2.4 | (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) | -6022.75 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 7000.00 | No | (No Data) | 1.1622 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 845833 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.9990 | No | No | 2.4 | (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) | -2957.57 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 6800.00 | No | (No Data) | 2.2991 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 341437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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 | 4.1909 | Yes | Yes | 2.307 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.16 | 22.32 | 22.16 | 22.32 | 22.32 | 22.32 | Yes | Yes | Yes | 30521.92 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | 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 - 72 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 169434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 3.8750 | No | No | 3 | (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) | -3356.42 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.1322 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 781716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 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 | 3.9713 | Yes | Yes | 2.057 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.94 | 37.94 | 37.94 | 37.94 | 37.94 | 37.94 | Yes | Yes | Yes | 2043.78 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 10 | 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 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 Data) | (No Data) | 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 - 10 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 835059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 3.9990 | 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) | -3529.49 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | No | (No Data) | Yes | 9100.00 | 2.5783 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 988982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (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) | -1604.33 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 5300.00 | No | (No Data) | 3.3036 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 826503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.9990 | No | No | 3 | (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) | -1319.75 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 1500.00 | 1.1366 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 806140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 3.8750 | 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) | -925.67 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 900.00 | 0.9723 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 776896 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.8750 | Yes | No | 2.4 | (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 | 23.06 | 0 | 23.06 | 23.06 | 23.06 | (No Data) | (No Data) | (No Data) | 19495.74 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 | 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 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 Data) | (No Data) | 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 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 328620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.8750 | No | No | 3 | (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) | -5544.08 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.3146 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 778346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.8750 | No | No | 3 | (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) | -6877.38 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 0.6543 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 911507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.9990 | No | No | 3 | (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) | -2347.86 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | Yes | 2995.00 | No | (No Data) | 1.2756 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 501492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.8750 | No | No | 2.4 | (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) | -3218.51 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | Yes | 3500.00 | 1.0875 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 387248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.9991 | No | No | 2.4 | (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) | -1679.4 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 935.00 | 0.5567 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 634252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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 UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 3.8750 | 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) | -8542.2 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 0.7020 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 284545 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (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) | -4013.4 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 0.8721 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 121148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.0000 | 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) | -1839.22 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.3050 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 240964 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (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) | -3402.47 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.6760 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 953734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (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) | -1892.23 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 0.9248 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 730984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (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) | -2276.71 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2225.00 | No | (No Data) | 0.9773 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 836492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.2500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | 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) | (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) | -3143.35 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 0.9230 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 258503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (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) | -2021.5 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 2200.00 | 1.0883 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 442916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | 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 | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (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) | -2193.25 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | Yes | 1350.00 | 0.6155 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 952700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | 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 | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (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) | -1718.03 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | Yes | 1150.00 | 0.6694 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 537597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2.4 | (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) | -1051.69 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 1400.00 | 1.3310 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 232399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2% of UPB with MO Prepay avoidance clause. | (No Data) | No | Yes | 1 | 6.6240 | No | No | 2 | (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) | -963.75 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1375.00 | No | (No Data) | 1.4267 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 816460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | 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 | 7.6250 | 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) | -2374.93 | (No Data) | 0 | (No Data) | (No Data) | Not Applicable | (No Data) | Not Applicable | (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 Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0527 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 147689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 1% of amt prepaid > 20% OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0.8 | (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) | -3306.9 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.0281 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 775360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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) | Rate and Term Refi | Yes | Yes | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.6249 | No | No | 3 | (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) | -2533.43 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 2800.00 | 1.1052 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 889722 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 3.9039 | No | No | 3.35 | 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 | 47.1 | 47.06 | 47.1 | 47.06 | 47.06 | 47.06 | Yes | Yes | Yes | 3504.98 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | 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) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 344488 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | -2050.7 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.1460 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 255340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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) | No | No | 1 | 4.1435 | Yes | Yes | 2.961 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.75 | 21.75 | 21.75 | 21.75 | 21.75 | 21.75 | Yes | Yes | Yes | 10180.57 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | 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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 892075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 4.3979 | No | No | 4.645 | 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 | Not Employed | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -4689.89 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | 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 | 2 | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 469650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1766 | Yes | No | 2.384 | 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 | 50.44 | 37.32 | 50.44 | 37.32 | 37.32 | 37.32 | Yes | Yes | Yes | 5082.57 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 192 | No | (No Data) | No | (No Data) | 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 | 16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 16 months;<br> CPA Letter without Income - 192 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 700334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (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) | -2863.94 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.0126 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 393147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (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) | -3446.05 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 2900.00 | 0.8415 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 697818 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (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) | -3015.32 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 3500.00 | 1.1609 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 455448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | 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) | -6638.36 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 5750.00 | No | (No Data) | 0.8600 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 376289 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4516 | No | No | 3.101 | 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 | 46.33 | 46.33 | 46.33 | 46.33 | 46.33 | 46.33 | Yes | Yes | Yes | 2325.69 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | 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 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 Data) | (No Data) | 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 - 3 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 959166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (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) | -2804.22 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.1055 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 459343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9076 | Yes | Yes | 2.77 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.56 | 4.56 | 4.56 | 4.56 | 4.56 | 4.56 | Yes | Yes | Yes | 194037.34 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 439984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.4990 | 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) | -1246.59 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | No | (No Data) | Yes | 1600.00 | 1.2835 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 483806 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 2.4 | (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) | -4062.29 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | Yes | 3450.00 | No | (No Data) | 0.8493 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 808239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (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%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | -4061.07 | (No Data) | 0 | (No Data) | (No Data) | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 0.8618 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 363061 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 8.8750 | No | No | 2.4 | (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) | -1849 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 1200.00 | 0.6490 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 977280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9870 | Yes | Yes | 2.285 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.13 | 41.57 | 41.13 | 41.57 | 41.57 | 41.57 | Yes | Yes | Yes | 8225.6 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 792696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (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) | -1443.36 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1280.00 | No | (No Data) | 0.8868 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 527597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (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 | 7.7501 | 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) | -2569.82 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 0.8755 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 209682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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) | No | No | 1 | 7.5787 | Yes | Yes | 1.636 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.5 | 42.9 | 42.5 | 42.9 | 42.9 | 42.9 | Yes | Yes | Yes | 5982.51 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months | Business Bank Statements - 15 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 738700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.7452 | Yes | Yes | 2.978 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 6.28 | 6.28 | 6.28 | 6.28 | 6.28 | 6.28 | Yes | Yes | Yes | 167154.66 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | 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) | Yes | 14 | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 14 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 736198 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7779 | No | No | 1.747 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.87 | 48.89 | 48.87 | 43.08 | 43.08 | 45.86 | Yes | Yes | Yes | 4682.67 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | 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 | (No Data) | 69 | 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 Data) | (No Data) | 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 - 3 months;<br> W2 - 24 months;<br> Written VOE - 69 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 383852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (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 | 7.1251 | 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) | -1130.3 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | Yes | 1300.00 | No | (No Data) | 1.1501 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 923908 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.1404 | Yes | Yes | 4.082 | 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 | 35.37 | 23.53 | 35.37 | 23.53 | 23.53 | 23.53 | Yes | Yes | Yes | 37752.98 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 917325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.4990 | 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) | -12328.7 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 7000.00 | No | (No Data) | 0.5677 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 683950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 6.6250 | 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) | -2169.7 | (No Data) | 0 | (No Data) | (No Data) | Not Applicable | (No Data) | Not Applicable | (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 Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.1061 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 819459 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | -1702.37 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 0.9105 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 591368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 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 | 6.8750 | 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) | -3576.74 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 1550.00 | 1.1065 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 225350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7520 | No | No | 3.123 | 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 | 46.49 | 46.12 | 46.49 | 46.12 | 46.12 | 46.12 | Yes | Yes | Yes | 2559.55 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 15 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Business Bank Statements - 15 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850615 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | -2684.66 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.1175 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 644124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.1251 | 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 | 46.94 | 0 | 46.94 | 46.94 | 46.94 | (No Data) | (No Data) | (No Data) | 11044.32 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | 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 | (No Data) | 26 | 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 Data) | (No Data) | 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) | 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) | Award Letter - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 925607 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4450 | Yes | Yes | 2.985 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34 | 37.49 | 34 | 37.49 | 37.49 | 37.49 | Yes | Yes | Yes | 8406.82 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | Yes | 60 | 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) | 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) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 310838 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1107 | Yes | Yes | 4.631 | 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 | 7.02 | 7.02 | 7.02 | 7.02 | 7.02 | 7.02 | Yes | Yes | Yes | 39969.78 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 164069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1069 | Yes | Yes | 2.517 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.53 | 20.36 | 22.53 | 20.36 | 20.36 | 20.36 | Yes | Yes | Yes | 8073.09 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 132 | No | (No Data) | No | (No Data) | 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 | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months;<br> CPA Letter without Income - 132 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 150433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | 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 | 8.7500 | 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) | -1387.16 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.0813 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 873604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | -3212.81 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | Yes | 4584.00 | No | (No Data) | 1.4268 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 414916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.8741 | 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) | -2406.88 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.9555 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 821040 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.1241 | 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) | -1973.33 | (No Data) | 0 | (No Data) | (No Data) | Not Applicable | (No Data) | Not Applicable | (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 Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 0.9122 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 840578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0709 | Yes | Yes | 3.056 | 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 | 37.29 | 37.29 | 37.29 | 37.29 | 37.29 | 37.29 | Yes | Yes | Yes | 4797.04 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 14 | 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) | Award Letter - 24 months;<br> CPA Letter without Income - 24 months;<br> Personal Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 161347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1470 | Yes | Yes | 3.555 | 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 | 26.01 | 19.41 | 26.01 | 19.41 | 19.41 | 19.41 | Yes | Yes | Yes | 28441.59 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 213872 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (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 | 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) | -1791 | (No Data) | 0 | (No Data) | (No Data) | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | Yes | (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 Data) | (No Data) | Yes | 1875.00 | No | (No Data) | 1.0469 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 692001 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -2397.69 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1930.00 | No | (No Data) | 0.8049 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 935223 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6242 | Yes | Yes | 3.429 | 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 | 7.68 | 7.72 | 7.68 | 7.72 | 7.72 | 7.72 | Yes | Yes | Yes | 37467.67 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 4 | (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) | -1820.58 | (No Data) | 0 | (No Data) | (No Data) | Not Applicable | (No Data) | Not Applicable | (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 Data) | (No Data) | No | (No Data) | Yes | 1275.00 | 0.7003 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 597429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6091 | Yes | Yes | 3.881 | 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 | 33.62 | 31.7 | 33.62 | 31.7 | 31.7 | 31.7 | Yes | Yes | Yes | 4192.02 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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 | (No Data) | 6 | 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 Data) | (No Data) | 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 - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 637689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (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) | -5369.33 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | Yes | 5400.00 | No | (No Data) | 1.0057 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 863479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8252 | Yes | Yes | 1.648 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.68 | 11.68 | 11.68 | 11.68 | 11.68 | 11.68 | Yes | Yes | Yes | 110402.91 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | 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 | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 160140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.0195 | No | No | 3.406 | 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 | 43.21 | 44.19 | 43.21 | 44.19 | 44.19 | 44.19 | Yes | Yes | Yes | 2873.81 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | 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) | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 12 months | Paystub - 1 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 345257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (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) | -1289.82 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1535.00 | No | (No Data) | 1.1901 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 733821 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4246 | Yes | No | 1.69 | 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 | 48.69 | 42.25 | 48.69 | 42.25 | 42.25 | 42.25 | Yes | Yes | Yes | 9070.13 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 310482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 4 | (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) | -2626.83 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.8755 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 774977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 9.1250 | 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 | 45.21 | 0 | 45.21 | 45.21 | 45.21 | (No Data) | (No Data) | (No Data) | 7423.34 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 736519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | 4 Family | 4 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6262 | No | No | 1.168 | 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 | 48.89 | 49.23 | 48.89 | 49.23 | 49.23 | 49.23 | Yes | Yes | Yes | 7257.49 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 168095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (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) | -2526.66 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2550.00 | No | (No Data) | 1.0092 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 608315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5001 | Yes | 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 | 40.46 | 0 | 40.46 | 40.46 | 40.46 | (No Data) | (No Data) | (No Data) | 6302.25 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 72 months;<br> Personal Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 233627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9795 | No | No | 3.013 | 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 | 47.75 | 47.75 | 47.75 | 47.75 | 47.75 | 47.75 | Yes | Yes | Yes | 5884.52 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 315817 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 9.0000 | 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) | -1765.99 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 0.8493 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 101937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 8.3750 | 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) | -2346.51 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 2200.00 | 0.9375 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 541901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2671 | Yes | Yes | 2.5 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.57 | 34.77 | 34.57 | 34.77 | 34.77 | 34.77 | Yes | Yes | Yes | 9903.65 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | Yes | 60 | 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 | 13 | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months;<br> CPA Letter without Income - 60 months | Business Bank Statements - 13 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 360065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 7.3572 | Yes | Yes | 3.482 | 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 | 37.4 | 37.31 | 37.4 | 37.31 | 37.31 | 37.31 | Yes | Yes | Yes | 7464.41 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | 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 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 Data) | (No Data) | 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) | 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) | Paystub - 2 months;<br> W2 - 24 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 283993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | -1550.07 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 0.9032 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 439841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-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 UPB in year 1,2,3,4,5 | (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) | -1619.59 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.3584 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 508248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (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 UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (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) | -1094.02 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 775.00 | No | (No Data) | 0.7081 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 905880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (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) | -1170.78 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 850.00 | No | (No Data) | 0.7260 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 965809 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | (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) | -1733.9 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 1.2976 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 571812 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | -2453.52 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 0.7947 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 576051 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | No | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1037 | Yes | Yes | 2.088 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.08 | 17.32 | 18.08 | 17.32 | 17.32 | 17.32 | Yes | Yes | Yes | 50392.16 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | Yes | 36 | 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 | 14 | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months;<br> CPA Letter without Income - 36 months | Business Bank Statements - 14 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 320474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (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) | -2768.82 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2225.00 | No | (No Data) | 0.8035 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 271402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (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) | -1741.27 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.3783 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 360106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1853 | No | No | 2.801 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.17 | 52.2 | 50.17 | 52.2 | 52.2 | 52.2 | Yes | Yes | Yes | 3343.51 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 28 | 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 Data) | (No Data) | 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) | Written VOE - 28 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 293621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3489 | No | No | 1.969 | 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 | 50.17 | 49.64 | 50.17 | 49.64 | 49.64 | 49.64 | Yes | Yes | Yes | 4507.16 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 4 | Yes | 4 | 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 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 Data) | (No Data) | 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 | Paystub - 4 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 108493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | 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) | No | Yes | 1 | 7.3331 | No | No | 2.945 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.96 | 44.8 | 47.96 | 44.8 | 44.8 | 44.8 | Yes | Yes | Yes | 1780.97 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 808586 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (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) | No | No | 1 | 5.9663 | Yes | Yes | 1.123 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 15.37 | 15.02 | 15.37 | 15.02 | 15.02 | 15.02 | Yes | Yes | Yes | 29562.51 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | 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 Data) | (No Data) | 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) | Business Tax Return - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 539111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2738 | 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) | -1426.79 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.2300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 338748 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2738 | 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) | -1463.39 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.3359 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 284067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1343 | Yes | Yes | 1.524 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.49 | 16.49 | 16.49 | 16.49 | 16.49 | 16.49 | Yes | Yes | Yes | 56724.27 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 160 | 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 Data) | (No Data) | 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 | 24 | 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;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 160 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 169541 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 3.8750 | Yes | No | 1.938 | (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 | 31.62 | 0 | 31.62 | 31.62 | 31.62 | (No Data) | (No Data) | (No Data) | 6436.42 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | 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 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 Data) | (No Data) | 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) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 502358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 4.0134 | Yes | Yes | 4.46 | Not Applicable | (No Data) | (No Data) | No | No | No | Yes | (No Data) | (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 | 25.94 | 25.94 | 25.94 | 25.94 | 25.94 | 25.94 | Yes | Yes | Yes | 15256.74 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.8

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| | |
|:---|:---|
| &nbsp;&nbsp;**Client Name:** |  |
| &nbsp;&nbsp;**Client Project Name:** | &nbsp;&nbsp;**BRAVO 2026-NQMR1** |
| &nbsp;&nbsp;**Start - End Dates:** | &nbsp;&nbsp;**2/20/2016 - 6/14/2022** |
| &nbsp;&nbsp;**Deal Loan Count:** | &nbsp;&nbsp;**384** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| &nbsp;&nbsp;*Loans in Report:* | &nbsp;&nbsp;*384* |

---

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 779778 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 4235 | XXXXXX | 8.446 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 486730 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13487.5 | XXXXXX | 7.5182 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 981559 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6365 | XXXXXX | 8.841 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 745931 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1360 | XXXXXX | 8.5624 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 718824 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8160 | XXXXXX | 7.7114 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 284574 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3510 | XXXXXX | 5.6938 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 789210 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 16800 | XXXXXX | 3.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 701685 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 20633.08 | XXXXXX | 5.6616 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 851934 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13795 | XXXXXX | 5.1547 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 221692 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 13568.75 | XXXXXX | 7.2513 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 967812 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16221.68 | XXXXXX | 4.9132 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 214007 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 20692.8 | XXXXXX | 7.781 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 583667 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 9481.5 | XXXXXX | 6.6959 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 334125 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6207.56 | XXXXXX | 4.99 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 505116 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11580 | XXXXXX | 5.4449 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 615265 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16195 | XXXXXX | 5.9398 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 827482 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6370 | XXXXXX | 6.0045 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 132277 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 9171 | XXXXXX | 7.9996 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 800715 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 10692 | XXXXXX | 6.3208 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 707558 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10612.81 | XXXXXX | 6.5924 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 287141 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 9450 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 770717 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8999.5 | XXXXXX | 6.6317 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXXX |
| 230576 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 138835.75 | XXXXXX | 7.1887 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 931477 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10690 | XXXXXX | 5.1156 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 441849 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.125 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 179086 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 16960 | XXXXXX | 5.8735 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 399793 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4935.5 | XXXXXX | 6.17 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 557883 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10804.5 | XXXXXX | 6.1206 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 300060 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 283917 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8304.5 | XXXXXX | 5.8718 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 126052 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 255159 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 876991 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 831861 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4709.12 | XXXXXX | 6.1965 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 366055 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3328 | XXXXXX | 5.9767 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 831044 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12394.03 | XXXXXX | 6.0717 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 433257 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 7520 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 298170 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12714.5 | XXXXXX | 6.0186 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 124547 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5350 | XXXXXX | 5.9961 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 157605 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7809.9 | XXXXXX | 6.4052 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 594577 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6601.5 | XXXXXX | 5.9015 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXXX |
| 389643 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6425 | XXXXXX | 6.2167 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 285449 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8435 | XXXXXX | 5.9736 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 785520 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8760.5 | XXXXXX | 5.8169 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXXX |
| 494394 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 17470 | XXXXXX | 6.2315 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 475193 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7010.52 | XXXXXX | 6.0944 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXXX |
| 391657 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.8099 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 782418 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10947.5 | XXXXXX | 5.9429 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 110075 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6160 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 246392 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7865.85 | XXXXXX | 7.3932 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXXX |
| 651478 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 13260 | XXXXXX | 5.2002 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 236055 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16869 | XXXXXX | 4.937 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 513003 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4862.5 | XXXXXX | 7.1852 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 166097 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16550 | XXXXXX | 6.7636 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 608508 | QM: Safe Harbor | No | XXXXXX | XXXXXX | No | Yes | 10793.75 | XXXXXX | 5.4224 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXXX |
| 133247 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10674 | XXXXXX | 5.8726 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 384635 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5417.96 | XXXXXX | 7.1838 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 613335 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 469448 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6324.6 | XXXXXX | 7.8501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 847574 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 963677 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10048.56 | XXXXXX | 5.694 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 210942 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4604.6 | XXXXXX | 6.6255 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 549220 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5130 | XXXXXX | 5.8575 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 754314 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4717.82 | XXXXXX | 7.0369 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 989152 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5122.5 | XXXXXX | 10.1103 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 950684 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 950 | XXXXXX | 5.0463 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 880851 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4118 | XXXXXX | 8.7142 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 939629 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5580 | XXXXXX | 6.8656 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 318857 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3983.15 | XXXXXX | 7.4113 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 598411 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9105.43 | XXXXXX | 6.2107 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 514180 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2900 | XXXXXX | 6.5558 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 957246 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 13440 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 860650 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5564.08 | XXXXXX | 8.373 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | No | XXXXXX |
| 272364 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4478.5 | XXXXXX | 6.2869 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | No | XXXXXX |
| 467665 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 4576 | XXXXXX | 5.7491 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 204498 | QM: Rebuttable Presumption | No | XXXXXX | XXXXXX | No | Yes | 2770.5 | XXXXXX | 7.3388 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 961191 | QM: Rebuttable Presumption | No | XXXXXX | XXXXXX | No | Yes | 2566.55 | XXXXXX | 6.3371 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 471065 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 19183.38 | XXXXXX | 5.925 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 794739 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9067.7 | XXXXXX | 6.4504 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 190364 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15301.5 | XXXXXX | 7.0608 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 130848 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10079.05 | XXXXXX | 6.7889 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 334029 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12877.29 | XXXXXX | 5.6184 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 698597 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3147.68 | XXXXXX | 6.6025 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 130391 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4269.38 | XXXXXX | 8.3634 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 358617 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4099.25 | XXXXXX | 6.34 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 497554 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1656.95 | XXXXXX | 5.9204 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 476319 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12265 | XXXXXX | 6.1323 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 688110 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5537.81 | XXXXXX | 6.548 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 318522 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 33165 | XXXXXX | 6.5668 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 459981 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.1841 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 647699 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10008 | XXXXXX | 6.1753 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 380168 | QM: Rebuttable Presumption | No | XXXXXX | XXXXXX | No | Yes | 8182.35 | XXXXXX | 6.5304 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 797271 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5955.52 | XXXXXX | 8.3732 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 892986 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6029 | XXXXXX | 5.4179 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 813598 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6420 | XXXXXX | 6.5873 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXXX |
| 476948 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7248.78 | XXXXXX | 6.7314 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 278699 | QM: Rebuttable Presumption | No | XXXXXX | XXXXXX | No | Yes | 2539.3 | XXXXXX | 8.9302 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 451486 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7653.13 | XXXXXX | 8.2718 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 116713 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6918.75 | XXXXXX | 6.25 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 746144 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2786.31 | XXXXXX | 6.9535 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 802036 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 995 | XXXXXX | 7.2 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 697428 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 683778 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2131.95 | XXXXXX | 7.9831 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 440156 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 442300 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 17440 | XXXXXX | 5.7895 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 487434 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1349 | XXXXXX | 6.1942 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 198907 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6851 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 312650 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.9722 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 169889 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2215.91 | XXXXXX | 5.1379 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 542501 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1295 | XXXXXX | 5.8986 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 889462 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1622.5 | XXXXXX | 6.1921 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 294012 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 1330 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 429958 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4265.88 | XXXXXX | 7.4846 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 891328 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4670 | XXXXXX | 6.2784 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 281088 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4981.2 | XXXXXX | 6.8624 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | XXXXXX |
| 833893 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.9127 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 806787 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7142.5 | XXXXXX | 5.242 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 668205 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 861230 | QM: Rebuttable Presumption | No | XXXXXX | XXXXXX | No | Yes | 4413 | XXXXXX | 6.8791 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 492663 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 27793.5 | XXXXXX | 6.3494 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 137047 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1595 | XXXXXX | 7.7565 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 228861 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8325 | XXXXXX | 5.6808 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 587037 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1870 | XXXXXX | 8.4137 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 762582 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4293.5 | XXXXXX | 5.9831 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 480958 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5538 | XXXXXX | 5.6721 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 599344 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4163.75 | XXXXXX | 6.7378 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 531983 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5925 | XXXXXX | 6.1262 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 957206 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9183.25 | XXXXXX | 7.7786 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 564631 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1200 | XXXXXX | 6.5665 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 970996 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.4594 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 597987 | QM: GSE Temporary - QM/SH | No | XXXXXX | XXXXXX | No | Yes | 7282.29 | XXXXXX | 5.5021 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 603117 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1290 | XXXXXX | 7.9219 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 976510 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6527.5 | XXXXXX | 8.6077 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 429556 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 20223.92 | XXXXXX | 6.6242 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 829174 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3534.19 | XXXXXX | 8.5292 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 696499 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15199 | XXXXXX | 5.8798 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 602760 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 12519.06 | XXXXXX | 6.4876 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 707550 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15240.15 | XXXXXX | 5.8384 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 695083 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 6799 | XXXXXX | 6.6446 | Unemployed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 266120 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9406.35 | XXXXXX | 7.7383 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 436076 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 6840.02 | XXXXXX | 6.3535 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 421753 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 5420.25 | XXXXXX | 6.9967 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 816883 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 6244 | XXXXXX | 7.1023 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 933334 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 7252.15 | XXXXXX | 6.6313 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 496380 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 20112.4 | XXXXXX | 6.5243 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 807457 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8397.62 | XXXXXX | 5.9773 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 308142 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5687.75 | XXXXXX | 8.0704 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 991483 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14587.45 | XXXXXX | 5.8845 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 895740 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8717.04 | XXXXXX | 7.339 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXXX |
| 956960 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6889.04 | XXXXXX | 6.7412 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 991604 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 3395 | XXXXXX | 7.461 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200433 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 4683 | XXXXXX | 7.7077 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 198144 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 2868.7 | XXXXXX | 7.0833 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 300674 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 10815 | XXXXXX | 6.2762 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 354419 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2060 | XXXXXX | 7.3004 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 828476 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1650 | XXXXXX | 6.2975 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 974236 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 6469 | XXXXXX | 6.478 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 662700 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 2995 | XXXXXX | 7.2221 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 840206 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 3249.5 | XXXXXX | 6.3372 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 256630 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 3075 | XXXXXX | 6.7823 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 299499 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 3179 | XXXXXX | 7.4642 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 653386 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 2767.65 | XXXXXX | 7.0541 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 414208 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 2605 | XXXXXX | 7.005 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 996516 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 4695 | XXXXXX | 6.5164 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 563727 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10795 | XXXXXX | 5.8038 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 498927 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2695 | XXXXXX | 6.5051 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 494695 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 13920 | XXXXXX | 6.5101 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 961884 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 2595 | XXXXXX | 7.1152 | Unemployed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 486345 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 3240 | XXXXXX | 7.1384 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 603180 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 1 | XXXXXX | 6.1833 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 903698 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12481.65 | XXXXXX | 6.2855 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 594495 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11150 | XXXXXX | 6.3067 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 250902 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 158306 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.9946 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 230253 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8309.5 | XXXXXX | 6.3493 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 348225 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4826.5 | XXXXXX | 6.232 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 296918 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9485 | XXXXXX | 6.7102 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 387914 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8009.97 | XXXXXX | 6.7878 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 337635 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9274.5 | XXXXXX | 6.305 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXXX |
| 962819 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 626472 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 720277 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7790.75 | XXXXXX | 6.3784 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 879668 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.1892 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 354998 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 717500 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.3107 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 592410 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 21885.88 | XXXXXX | 6.2515 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXXX |
| 269397 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9787 | XXXXXX | 6.1812 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 116330 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6570 | XXXXXX | 6.0962 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 369666 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1360 | XXXXXX | 7.6853 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 531320 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14260 | XXXXXX | 5.6911 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 723024 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1360 | XXXXXX | 8.7427 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | XXXXXX |
| 224385 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 30665 | XXXXXX | 6.4308 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 354594 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8810 | XXXXXX | 7.3137 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 684405 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7760.42 | XXXXXX | 7.7324 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 335470 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1360 | XXXXXX | 8.6273 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 991663 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5832 | XXXXXX | 7.0563 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXXX |
| 990984 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6495 | XXXXXX | 8.1529 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 241761 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4495.6 | XXXXXX | 7.5307 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 739972 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 20913.4 | XXXXXX | 7.2041 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 309916 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4455 | XXXXXX | 5.2763 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 882065 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 49177.6 | XXXXXX | 5.6977 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 102344 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12385 | XXXXXX | 6.6564 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 729719 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12463.13 | XXXXXX | 7.7418 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 495625 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1360 | XXXXXX | 7.0778 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 375910 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5359.78 | XXXXXX | 5.7598 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 646163 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 23497.5 | XXXXXX | 5.8628 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 523056 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4357.5 | XXXXXX | 7.0396 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 874526 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8551.79 | XXXXXX | 6.0256 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 246223 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10060 | XXXXXX | 6.9317 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 942716 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7095 | XXXXXX | 3.8586 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 501284 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6875 | XXXXXX | 3.8581 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 408572 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5950 | XXXXXX | 3.865 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 274984 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13843.5 | XXXXXX | 3.5931 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 769249 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6545 | XXXXXX | 3.4828 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 496167 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3198 | XXXXXX | 7.5656 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | Yes | XXXXXX |
| 743944 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5955 | XXXXXX | 3.9906 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 280513 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6615 | XXXXXX | 3.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 269087 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11357.5 | XXXXXX | 3.3619 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 486795 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 5300 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 734258 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 12000 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 309941 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 4360 | XXXXXX | 7.499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 437419 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 5040 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 684003 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 1 | XXXXXX | 7.7096 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 634195 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5308.45 | XXXXXX | 7.4393 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 515621 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9440 | XXXXXX | 7.1391 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | Yes | XXXXXX |
| 518336 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9758 | XXXXXX | 8.3106 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | No | Yes | XXXXXX |
| 814373 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4340 | XXXXXX | 7.8937 | Employed | (No Data) | U.S. Citizen | (No Data) | No | No | XXXXXX |
| 269085 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10295 | XXXXXX | 8.9316 | Unemployed | (No Data) | U.S. Citizen | (No Data) | No | Yes | XXXXXX |
| 973516 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 7530.45 | XXXXXX | 8.0536 | Employed | Employed | Non-Resident Alien | Non-Resident Alien | No | (No Data) | XXXXXX |
| 770694 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13712.5 | XXXXXX | 7.9716 | Unemployed | (No Data) | U.S. Citizen | (No Data) | No | Yes | XXXXXX |
| 593271 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 35700 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 801555 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6064.5 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 830414 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13690 | XXXXXX | 3.4713 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 314764 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 21565 | XXXXXX | 3.5586 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 526871 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7595 | XXXXXX | 3.9576 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 949427 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6995 | XXXXXX | 4.3349 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 252275 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 31294 | XXXXXX | 4.0517 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 883364 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13795 | XXXXXX | 3.9211 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 674969 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10007.5 | XXXXXX | 3.8778 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 323599 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 4387.5 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 668105 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7295 | XXXXXX | 3.9817 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 604922 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6545 | XXXXXX | 3.8504 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 664248 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 18155 | XXXXXX | 4.1863 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 851524 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3295 | XXXXXX | 4.1788 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 976476 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5995 | XXXXXX | 3.7591 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 988453 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8470 | XXXXXX | 3.6639 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 556293 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12170 | XXXXXX | 3.9981 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 998593 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7295 | XXXXXX | 3.5601 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | XXXXXX |
| 889122 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 9180 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 139301 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15110 | XXXXXX | 3.4803 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 436946 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3845 | XXXXXX | 4.1525 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 265497 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 17295 | XXXXXX | 3.7924 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 693663 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 17845 | XXXXXX | 4.16 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 704511 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4350 | XXXXXX | 3.7533 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 907487 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6455 | XXXXXX | 7.3373 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 568435 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10435 | XXXXXX | 3.843 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | XXXXXX |
| 900096 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5510 | XXXXXX | 4.107 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 408252 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15875 | XXXXXX | 3.6139 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 913673 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 3120 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 552463 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 3802.5 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 455190 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5795 | XXXXXX | 4.3166 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 643247 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4145 | XXXXXX | 3.6274 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 415322 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6295 | XXXXXX | 3.5967 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 879421 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13755 | XXXXXX | 3.467 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 167715 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16090 | XXXXXX | 7.0387 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 409499 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 8607.5 | XXXXXX | 3.8738 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 315676 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6183 | XXXXXX | 3.8877 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 845743 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9695 | XXXXXX | 7.7581 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 688495 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4695 | XXXXXX | 4.2477 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 796266 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12290 | XXXXXX | 4.2007 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXXX |
| 850310 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 17295 | XXXXXX | 3.8141 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 326308 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 11684 | XXXXXX | 3.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 703163 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12009 | XXXXXX | 3.7961 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 668742 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 12000 | XXXXXX | 3.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 110321 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12500 | XXXXXX | 3.9975 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 162104 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6600 | XXXXXX | 3.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 324779 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 20904 | XXXXXX | 3.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 845833 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 9000 | XXXXXX | 3.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 341437 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 33816 | XXXXXX | 4.1909 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 169434 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 16830 | XXXXXX | 3.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 781716 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3460 | XXXXXX | 3.9713 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 835059 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 21450 | XXXXXX | 3.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 988982 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 4095 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 826503 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 4830 | XXXXXX | 3.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 806140 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 3.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 776896 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 5040 | XXXXXX | 3.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 328620 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 27787.5 | XXXXXX | 3.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 778346 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 32737.5 | XXXXXX | 3.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 911507 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 10042.5 | XXXXXX | 3.999 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 501492 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 12432 | XXXXXX | 3.875 | Unemployed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 387248 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 4200 | XXXXXX | 7.9991 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 634252 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 65400 | XXXXXX | 3.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 284545 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 16000 | XXXXXX | 7.625 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 121148 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 4 | Unemployed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 240964 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 10350 | XXXXXX | 7.375 | Unemployed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 953734 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6637.5 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 730984 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6969 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 836492 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 8620.8 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 258503 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 7965 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 442916 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6750 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 952700 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 5287.5 | XXXXXX | 7.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 537597 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 2934 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 232399 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 2310 | XXXXXX | 6.624 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 816460 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 147689 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 3300 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 775360 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 10950 | XXXXXX | 6.6249 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 889722 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15216.4 | XXXXXX | 3.9039 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 344488 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 10430 | XXXXXX | 7 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 255340 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9689.38 | XXXXXX | 4.1435 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 892075 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 32196.75 | XXXXXX | 4.3979 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 469650 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8275 | XXXXXX | 7.1766 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 700334 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 13010 | XXXXXX | 6.75 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 393147 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 22575 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 697818 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 16870 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 455448 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 376289 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7920 | XXXXXX | 7.4516 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 959166 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 13475 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 459343 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 20130 | XXXXXX | 6.9076 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 439984 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 8250 | XXXXXX | 7.499 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 483806 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 9216 | XXXXXX | 6.75 | Unemployed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 808239 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 21000 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 363061 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 3840 | XXXXXX | 8.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 977280 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8488.75 | XXXXXX | 6.987 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 792696 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 5475 | XXXXXX | 7.375 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 527597 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 12810 | XXXXXX | 7.7501 | Unemployed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 209682 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6295 | XXXXXX | 7.5787 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 738700 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 20545 | XXXXXX | 9.7452 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 736198 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9245 | XXXXXX | 6.7779 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 383852 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6000 | XXXXXX | 7.1251 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 923908 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 29420 | XXXXXX | 7.1404 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | XXXXXX |
| 917325 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 62300 | XXXXXX | 7.499 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 683950 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 10500 | XXXXXX | 6.625 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 819459 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 9337.5 | XXXXXX | 7.7501 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 591368 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 225350 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3938.57 | XXXXXX | 7.752 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 850615 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 12000 | XXXXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 644124 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 15780 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 925607 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13149 | XXXXXX | 7.445 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | XXXXXX |
| 310838 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11515 | XXXXXX | 8.1107 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 164069 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4815 | XXXXXX | 8.1069 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 150433 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 873604 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 14625 | XXXXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 414916 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 11515 | XXXXXX | 7.8741 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 821040 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 10255 | XXXXXX | 7.1241 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 840578 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6770.05 | XXXXXX | 8.0709 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 161347 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10745 | XXXXXX | 8.147 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | XXXXXX |
| 213872 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 7500 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 692001 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 11500 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 935223 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7743.75 | XXXXXX | 7.6242 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 850237 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 7140 | XXXXXX | 8.625 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 597429 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4013.75 | XXXXXX | 7.6091 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 637689 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 27000 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 863479 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 26565 | XXXXXX | 6.8252 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 160140 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8645 | XXXXXX | 7.0195 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 345257 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 8062.5 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 733821 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13979 | XXXXXX | 7.4246 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 310482 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 11060 | XXXXXX | 8.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 774977 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 10150 | XXXXXX | 9.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 736519 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9735 | XXXXXX | 7.6262 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 168095 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 11700 | XXXXXX | 7.375 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 608315 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 233627 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9170 | XXXXXX | 7.9795 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 315817 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6830 | XXXXXX | 9 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 101937 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 11025 | XXXXXX | 8.375 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 541901 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7295 | XXXXXX | 7.2671 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 360065 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12170 | XXXXXX | 7.3572 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 283993 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 7312.5 | XXXXXX | 8.0001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 439841 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 7992.5 | XXXXXX | 6.75 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 508248 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 5150 | XXXXXX | 8.375 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 905880 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 5382 | XXXXXX | 8.375 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 965809 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 7500 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 571812 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 11585 | XXXXXX | 7.7501 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 576051 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10307.5 | XXXXXX | 7.1037 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | Yes | XXXXXX |
| 320474 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 14000 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 271402 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6636 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 360106 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9865 | XXXXXX | 7.1853 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 293621 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10390 | XXXXXX | 7.3489 | Employed | Employed | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 108493 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4355 | XXXXXX | 7.3331 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 808586 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5048.85 | XXXXXX | 5.9663 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 539111 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2738 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 338748 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2738 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 284067 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11625 | XXXXXX | 6.1343 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 169541 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 4882.5 | XXXXXX | 3.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 502358 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 22780 | XXXXXX | 4.0134 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |

---

©2026 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 99.8

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Client Name:** |  |
| &nbsp;&nbsp;**Client Project Name:** | &nbsp;&nbsp;**BRAVO 2026-NQMR1** |
| &nbsp;&nbsp;**Start - End Dates:** | &nbsp;&nbsp;**2/20/2016 - 6/14/2022** |
| &nbsp;&nbsp;**Deal Loan Count:** | &nbsp;&nbsp;**376** |
| **Valuations Summary** | **Valuations Summary** |
| &nbsp;&nbsp;*Loans in Report:* | &nbsp;&nbsp;*376* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **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** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 779778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -17.73% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.73% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 486730 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | XXXXXX | $0.00 | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -43.33% | XXXXXX |  | 89.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 981559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -6.92% | XXXXXX |  | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 745931 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 718824 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 284574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | XXXXXX | $0.00 | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -15.33% | XXXXXX |  | 80.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 789210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.41% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 701685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 851934 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 221692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 967812 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 214007 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 583667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.27% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 334125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 505116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 615265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 827482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.61% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 132277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 800715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 707558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.99% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 287141 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.64% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 770717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 230576 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 931477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 441849 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 179086 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 399793 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 557883 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.85% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 300060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 283917 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 126052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.87% | XXXXXX | XXXXXX | XXXXXX | -11.33% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Desk Review | XXXXXX | XXXXXX | XXXXXX | -11.33% | (No Data) |
| 255159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 876991 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 831861 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 366055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 831044 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 433257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 298170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 124547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 157605 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 594577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 389643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 285449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 785520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 494394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 475193 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 391657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 782418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 110075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 246392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 651478 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Lender Internal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 236055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 513003 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 166097 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 608508 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.86% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 133247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 384635 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 613335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 469448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.93% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 847574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 963677 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 210942 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 549220 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 754314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 989152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 950684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 880851 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 939629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 318857 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -6.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 598411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 514180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -4.17% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 957246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 860650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 272364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 467665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 471065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 8.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 794739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 190364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 130848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 334029 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 698597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.28% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 130391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 358617 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 497554 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.81% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 476319 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 688110 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 318522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 459981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 647699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 1.45% | AVM |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 380168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -4.84% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 797271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 892986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 813598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 476948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.52% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 278699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 451486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 116713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 746144 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 802036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 697428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.39% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 683778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 440156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 442300 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 487434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 198907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 312650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 169889 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -5.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 542501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 889462 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 294012 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 429958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 891328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 281088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 833893 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 806787 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 668205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 861230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 492663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 137047 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 228861 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 587037 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 762582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 480958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 599344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 531983 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 957206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 564631 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 970996 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 597987 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 603117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 976510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 429556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 829174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 696499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 602760 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 707550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.82% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 695083 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 266120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 436076 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 421753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 816883 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 933334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 496380 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 807457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 308142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 991483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 895740 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 956960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 991604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 200433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 198144 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 300674 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 354419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 828476 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 974236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 662700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 840206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 256630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 299499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 653386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 414208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 996516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 563727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.66% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 498927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 494695 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 961884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 486345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 603180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 903698 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.69% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 594495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 250902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 158306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 230253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 348225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 296918 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 387914 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 337635 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 962819 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -12.22% | XXXXXX | XXXXXX | XXXXXX | -12.22% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 626472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.95% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 720277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 879668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.10% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 354998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 717500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 592410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 269397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 116330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -3.23% | Desk | XXXXXX | XXXXXX | XXXXXX | -5.38% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 369666 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 8.81% | AVM |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 531320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 723024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -6.21% | AVM |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 224385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 1.45% | BPO | XXXXXX | XXXXXX | XXXXXX | -3.77% | XXXXXX |  | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 354594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | 9.33% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 684405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -8.00% | XXXXXX |  | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 335470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.47% | AVM |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 991663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | 3.10% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 990984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | 5.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 241761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | 8.33% | XXXXXX |  | 83.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 739972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 9.23% | AVM |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 309916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -5.41% | AVM |  | $0.00 | $0.00 | 0.00% |  |  | 89.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 882065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -6.08% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -19.45% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 102344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 729719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 495625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 2.05% | AVM |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 375910 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.42% | AVM |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 646163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 2.25% | AVM |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 523056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 34.71% | AVM |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 874526 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | 9.40% | XXXXXX |  | 74.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 246223 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -1.52% | AVM |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 942716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 501284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 408572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 5.91% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 274984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 769249 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 496167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 743944 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 280513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.61% | XXXXXX | 9.000 | 91.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 269087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -8.00% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 486795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -30.26% | XXXXXX | 38.000 | 62.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 734258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 27.37% | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | 15.16% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 309941 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -32.48% | XXXXXX | 14.000 | 86.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 437419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 2.38% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 684003 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 634195 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 593271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -2.18% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 801555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 830414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 314764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 526871 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.87% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 949427 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.76% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 252275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 883364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 2.67% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.67% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 674969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.87% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 323599 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.11% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 668105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.12% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 604922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 18.29% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 664248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.95% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 851524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -4.77% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 976476 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 988453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -6.54% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 556293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 998593 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.22% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 889122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 139301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 436946 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 265497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 693663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.50% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 704511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.28% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 907487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 568435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.94% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 900096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.35% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 408252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 913673 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.25% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 552463 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.54% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 455190 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 2.92% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 643247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 415322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 879421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.19% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 167715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.00% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 30.60% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 315676 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 845743 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -4.88% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 688495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -7.16% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 796266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.03% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 850310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 6.07% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 326308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 9.28% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 703163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 7.32% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 668742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -34.33% | XXXXXX | 15.000 | 85.00 | XXXXXX | XXXXXX | XXXXXX | 2.36% |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 110321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 10.52% | XXXXXX | 19.300 | 81.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 162104 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -7.76% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 324779 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 845833 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 341437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.25% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 169434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 8.23% | XXXXXX | 9.000 | 91.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 781716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.19% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 835059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 18.82% | XXXXXX | 22.900 | 77.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 988982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 826503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.40% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 806140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -12.63% | XXXXXX | 9.000 | 91.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 776896 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -2.92% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 328620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -8.18% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 778346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -2.68% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 911507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.95% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 501492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Field Review | XXXXXX | XXXXXX | XXXXXX | 3.52% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 387248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 634252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.01% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 284545 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -4.05% | XXXXXX | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 121148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 4.43% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 240964 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 3.04% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 953734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -2.95% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 730984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 5.80% | XXXXXX | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 836492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -7.20% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 258503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -4.33% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 442916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 2.00% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 952700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -4.26% | XXXXXX | 14.000 | 86.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 537597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -7.25% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 232399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 2.56% | XXXXXX | 11.000 | 89.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 816460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -11.04% | XXXXXX | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 147689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.25% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 775360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.68% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 889722 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -7.49% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 344488 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 13.98% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 255340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.42% | XXXXXX | 12.000 | 88.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 892075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -5.90% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 469650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 4.86% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 700334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -20.23% | XXXXXX | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 393147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.61% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 697818 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.89% | XXXXXX | 36.000 | 64.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 455448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.26% | XXXXXX | 32.000 | 68.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 376289 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 5.63% | XXXXXX | 10.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 4.51% | (No Data) |
| 959166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.82% | XXXXXX | 43.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 459343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.74% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 439984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -58.64% | XXXXXX | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 483806 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -2.58% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 808239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 42.80% | XXXXXX | 27.000 | 73.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 363061 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -16.49% | XXXXXX | 12.000 | 88.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 977280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -10.30% | XXXXXX | 6.000 | 94.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 792696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -2.33% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 527597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 3.24% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 209682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 2.80% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 738700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.50% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 736198 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.24% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 383852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 13.98% | XXXXXX | 15.000 | 85.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 923908 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 23.38% | XXXXXX | 31.000 | 69.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 917325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -10.62% | XXXXXX | 20.000 | 80.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 683950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.90% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 819459 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.60% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 591368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 16.91% | XXXXXX | 22.000 | 78.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 225350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 21.13% | XXXXXX | 24.000 | 76.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 850615 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.00% | XXXXXX | 16.000 | 84.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 644124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -78.48% | XXXXXX | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 925607 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.21% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 310838 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.02% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 164069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.91% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 150433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -8.42% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 873604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.29% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 414916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -8.51% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 821040 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.00% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 840578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.78% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 161347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -8.45% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 213872 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 692001 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 3.48% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 935223 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.89% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 850237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 7.14% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 597429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.65% | XXXXXX | 22.000 | 78.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 637689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.89% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 863479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 3.41% | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | 2.36% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 160140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.72% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 345257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.91% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 733821 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.20% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 310482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.01% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 774977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.03% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 736519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -4.22% | XXXXXX | 29.000 | 71.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 168095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 2.50% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 608315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -19.43% | XXXXXX | 31.000 | 69.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 233627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.41% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 0.24% | (No Data) |
| 315817 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 6.34% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 101937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 7.62% | XXXXXX | 2.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -5.08% | (No Data) |
| 541901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -5.15% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 360065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 283993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.54% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 439841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.13% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 508248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -18.57% | XXXXXX | 41.000 | 59.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 905880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.48% | XXXXXX | 14.000 | 86.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 965809 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -2.55% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 571812 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 2.42% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 576051 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 3.29% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 320474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.20% | XXXXXX | 13.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 271402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 360106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.03% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 293621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -4.44% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 108493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.81% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 808586 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 539111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 338748 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 284067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 169541 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -5.96% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 502358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |

---

The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com

## Exhibit 99.8

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Client Name:** |  |
| &nbsp;&nbsp;**Client Project Name:** | &nbsp;&nbsp;**BRAVO 2026-NQMR1** |
| &nbsp;&nbsp;**Start - End Dates:** | &nbsp;&nbsp;**2/20/2016 - 6/14/2022** |
| &nbsp;&nbsp;**Deal Loan Count:** | &nbsp;&nbsp;**384** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER3124 | Loan documents do not meet guideline requirements | 3 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 1 |
| Credit | DTI | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | 1 |
| Credit | LTV/CLTV | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | 2 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 1 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | 1 |
| Credit | Income/Employment | CRDINC888 | Income Amount is Unsupported by Documentation in File | 1 |
| Credit | Assets | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | 1 |
| Property Valuations | FEMA | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | 1 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 1 |
| Compliance | Ability to Repay/Qualified Mortgage | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | 2 |
| Compliance | TILA/RESPA Integrated Disclosure | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | 1 |
| Compliance | TILA/RESPA Integrated Disclosure | CMPTRID4310 | TRID - CD: The value for Funds for Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | 1 |
| **Total** |  |  |  | **17** |

---

<br>©2026 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 99.8

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Client Name:** |  |
| &nbsp;&nbsp;**Client Project Name:** | &nbsp;&nbsp;BRAVO 2026-NQMR1 |
| &nbsp;&nbsp;**Start - End Dates:** | &nbsp;&nbsp;2/20/2016 - 6/14/2022 |
| &nbsp;&nbsp;**Deal Loan Count:** | &nbsp;&nbsp;384 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| &nbsp;&nbsp;*Loans in Report:* | &nbsp;&nbsp;313 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 779778 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 779778 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 779778 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 779778 | XXXXXX | Representative Credit Score for Grading | 751 | 749 |
| 981559 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 981559 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 284574 | XXXXXX | DTI Qualifying (Back) | 36.0576 | 43.3300 |
| 284574 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 284574 | XXXXXX | Original Term | 360 | 480 |
| 284574 | XXXXXX | Product Type | 30 Yr Fixed | 40 Yr Fixed Interest Only |
| 789210 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 701685 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 851934 | XXXXXX | Documentation Type | Asset Depletion | Alt Doc |
| 221692 | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| 221692 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 967812 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 583667 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 583667 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 583667 | XXXXXX | Property Tax Total Tax Amount | XXXXXX | XXXXXX |
| 334125 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 505116 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| 505116 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 615265 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 827482 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 827482 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 827482 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 132277 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 132277 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 800715 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 800715 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 287141 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 770717 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 230576 | XXXXXX | Maximum Rate | XXXXXX | XXXXXX |
| 230576 | XXXXXX | Next Rate Change Date | XXXXXX | XXXXXX |
| 230576 | XXXXXX | Periodic Rate Cap | 5.000 | 2.000 |
| 230576 | XXXXXX | Rate Change Frequency(Months) | 60 | 12 Months |
| 931477 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| 931477 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 931477 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 441849 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 441849 | XXXXXX | Debt to Income Ratio (Back) | 29.0800 | 36.1616 |
| 441849 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 441849 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 179086 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 179086 | XXXXXX | Bankruptcy Chapter | No | 7 |
| 179086 | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 179086 | XXXXXX | Debt to Income Ratio (Back) | 8369.8600 | 0.0000 |
| 179086 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 179086 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 179086 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 399793 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 399793 | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| 399793 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 557883 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 557883 | XXXXXX | Bankruptcy Chapter | No | 7 |
| 557883 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 557883 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 300060 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 300060 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 283917 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 126052 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 126052 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 255159 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 255159 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 255159 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 876991 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 876991 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 366055 | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| 366055 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 831044 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 433257 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 433257 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 298170 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 298170 | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| 124547 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 594577 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 594577 | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| 594577 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 389643 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 389643 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 285449 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 285449 | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| 285449 | XXXXXX | Debt to Income Ratio (Back) | 48.9300 | 45.3109 |
| 285449 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 785520 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 785520 | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| 785520 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 785520 | XXXXXX | Borrower 2 First Time Home Buyer | No | Yes |
| 785520 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 785520 | XXXXXX | Debt to Income Ratio (Back) | 43.7000 | 40.3301 |
| 494394 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 494394 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 475193 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 475193 | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| 391657 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 391657 | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| 391657 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 782418 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 110075 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 110075 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 246392 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 651478 | XXXXXX | Original Term | 84 | 360 |
| 651478 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 236055 | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| 513003 | XXXXXX | Debt to Income Ratio (Back) | 40.4760 | 49.8899 |
| 513003 | XXXXXX | Representative Credit Score for Grading | 714 | 642 |
| 166097 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 608508 | XXXXXX | Property Type | Attached PUD | Mixed Use |
| 384635 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 613335 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 469448 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 469448 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 847574 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 847574 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 963677 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 963677 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 963677 | XXXXXX | Representative Credit Score for Grading | 678 | 673 |
| 210942 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 549220 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 549220 | XXXXXX | Debt to Income Ratio (Back) | 46.5300 | 37.6178 |
| 549220 | XXXXXX | Occupancy Type | Primary | Second Home |
| 549220 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 549220 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 754314 | XXXXXX | Debt to Income Ratio (Back) | 40.6510 | 32.8186 |
| 754314 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 754314 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 989152 | XXXXXX | Debt to Income Ratio (Back) | 37.2510 | 30.2170 |
| 989152 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 950684 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 950684 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 880851 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 939629 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 318857 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 318857 | XXXXXX | Property Type | SFR | 4 Family |
| 598411 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 514180 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 514180 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 957246 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 957246 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 957246 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 957246 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 957246 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 860650 | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| 272364 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 272364 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 272364 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 467665 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 130848 | XXXXXX | Debt to Income Ratio (Back) | 40.9910 | 36.5705 |
| 334029 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 698597 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 698597 | XXXXXX | Representative Credit Score for Grading | 747 | 727 |
| 130391 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 358617 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 358617 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 497554 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 476319 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 476319 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 688110 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 318522 | XXXXXX | Debt to Income Ratio (Back) | 49.5470 | 45.8577 |
| 318522 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 318522 | XXXXXX | Property Type | SFR | Detached PUD |
| 459981 | XXXXXX | Debt to Income Ratio (Back) | 914.4810 | 0.0000 |
| 459981 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 459981 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 459981 | XXXXXX | Property Type | SFR | 2 Family |
| 647699 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 380168 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 380168 | XXXXXX | Property Type | SFR | Detached PUD |
| 797271 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 797271 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 892986 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 813598 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 476948 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 476948 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 278699 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 278699 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 278699 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 451486 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 116713 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 116713 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 746144 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 746144 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 802036 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 802036 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 697428 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 697428 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 697428 | XXXXXX | Property Type | SFR | 2 Family |
| 683778 | XXXXXX | Debt to Income Ratio (Back) | 36.8660 | 19.4945 |
| 683778 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 440156 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 440156 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 442300 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 442300 | XXXXXX | Debt to Income Ratio (Back) | 37.7790 | 27.5703 |
| 442300 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 442300 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 487434 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 487434 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 487434 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 198907 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 198907 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 312650 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 312650 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 312650 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 169889 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 169889 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 542501 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 542501 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 889462 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 889462 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 889462 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 294012 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 294012 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 294012 | XXXXXX | Property Type | SFR | 4 Family |
| 429958 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 429958 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 429958 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 891328 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 891328 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 891328 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 891328 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 281088 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 281088 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 281088 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 281088 | XXXXXX | Representative Credit Score for Grading | 787 | 739 |
| 833893 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 833893 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 833893 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 806787 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 806787 | XXXXXX | Occupancy Type | Primary | Second Home |
| 806787 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 806787 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 668205 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 668205 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 861230 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 861230 | XXXXXX | Min Number | XXXXXX | XXXXXX |
| 861230 | XXXXXX | Occupancy Type | Primary | Second Home |
| 861230 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 492663 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 492663 | XXXXXX | Occupancy Type | Primary | Second Home |
| 492663 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 137047 | XXXXXX | Debt to Income Ratio (Back) | 9.5510 | 42.1246 |
| 137047 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 137047 | XXXXXX | Occupancy Type | Primary | Second Home |
| 137047 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 137047 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 228861 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 228861 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 587037 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 587037 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 762582 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 762582 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 762582 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 480958 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 480958 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 480958 | XXXXXX | Property Type | SFR | Detached PUD |
| 599344 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 599344 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 531983 | XXXXXX | Debt to Income Ratio (Back) | 42.5240 | 52.6208 |
| 531983 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 531983 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 957206 | XXXXXX | Debt to Income Ratio (Back) | 21.8760 | 16.6656 |
| 957206 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 957206 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 970996 | XXXXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc |
| 597987 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 603117 | XXXXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc |
| 976510 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| 976510 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 976510 | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| 429556 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 829174 | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| 707550 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 695083 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 436076 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 895740 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 895740 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 956960 | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| 198144 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 662700 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 498927 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 961884 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 603180 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 603180 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 603180 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 903698 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 903698 | XXXXXX | Debt to Income Ratio (Back) | 48.5800 | 45.0288 |
| 903698 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 903698 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 594495 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 594495 | XXXXXX | Debt to Income Ratio (Back) | 45.0600 | 41.5699 |
| 250902 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 250902 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 158306 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 158306 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 158306 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 158306 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 158306 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 230253 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 230253 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 230253 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 348225 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 348225 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 296918 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 296918 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 296918 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 387914 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 387914 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 337635 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 337635 | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| 337635 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 962819 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 962819 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 962819 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 626472 | XXXXXX | Debt to Income Ratio (Back) | 20.8300 | 25.3601 |
| 626472 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 626472 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 720277 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 720277 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 879668 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 879668 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 879668 | XXXXXX | Debt to Income Ratio (Back) | 43.0400 | 30.2081 |
| 879668 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 354998 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 354998 | XXXXXX | Debt to Income Ratio (Back) | 45.6100 | 41.9628 |
| 354998 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 717500 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 717500 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 717500 | XXXXXX | Borrower 2 Middle Name | XXXXXX | XXXXXX |
| 717500 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 592410 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 592410 | XXXXXX | Debt to Income Ratio (Back) | 45.7300 | 42.6406 |
| 592410 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 269397 | XXXXXX | Assumable ID | Freely Assumable | Not for fixed period; upon credit approval for adj period |
| 269397 | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| 269397 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 116330 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 369666 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 531320 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 531320 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 723024 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 224385 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 354594 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 684405 | XXXXXX | Number of Units | 2 | 1 |
| 335470 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 739972 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 309916 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 882065 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 102344 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 495625 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 375910 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 646163 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 646163 | XXXXXX | Original Term | 360 | 480 |
| 874526 | XXXXXX | Product Type | 30 Yr Fixed | 10 Yr IO, Fixed Rate |
| 246223 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 942716 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 501284 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 408572 | XXXXXX | Debt to Income Ratio (Back) | 12.1000 | 28.9331 |
| 408572 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 408572 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 274984 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 769249 | XXXXXX | Debt to Income Ratio (Back) | 42.0000 | 35.1691 |
| 769249 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 769249 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 743944 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 280513 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 269087 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 486795 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 486795 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 734258 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 734258 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 309941 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 309941 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 309941 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 437419 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 684003 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 684003 | XXXXXX | Debt to Income Ratio (Back) | 38.2349 | 41.8563 |
| 684003 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 634195 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 634195 | XXXXXX | Debt to Income Ratio (Back) | 32.9820 | 29.0208 |
| 634195 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 515621 | XXXXXX | HCLTV | XXXXXX | XXXXXX |
| 515621 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 518336 | XXXXXX | HCLTV | XXXXXX | XXXXXX |
| 518336 | XXXXXX | Maximum Rate | XXXXXX | XXXXXX |
| 518336 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 814373 | XXXXXX | HCLTV | XXXXXX | XXXXXX |
| 814373 | XXXXXX | Maximum Rate | XXXXXX | XXXXXX |
| 814373 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 814373 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 814373 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| 269085 | XXXXXX | HCLTV | XXXXXX | XXXXXX |
| 269085 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 269085 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 269085 | XXXXXX | Representative Credit Score for Grading | 549 | 547 |
| 973516 | XXXXXX | HCLTV | XXXXXX | XXXXXX |
| 973516 | XXXXXX | Maximum Rate | XXXXXX | XXXXXX |
| 973516 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mixed Use |
| 770694 | XXXXXX | HCLTV | XXXXXX | XXXXXX |
| 770694 | XXXXXX | Maximum Rate | XXXXXX | XXXXXX |
| 770694 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 593271 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 801555 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 801555 | XXXXXX | Documentation Type | Alt Doc/Bank Statements | DSCR |
| 801555 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 801555 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 801555 | XXXXXX | Product Type | 7/1 ARM | 5/1 ARM |
| 801555 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 830414 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 314764 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 314764 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 314764 | XXXXXX | Property Type | SFR-Attached | SFR |
| 526871 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 526871 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 949427 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 949427 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 252275 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 252275 | XXXXXX | Representative Credit Score for Grading | 807 | 797 |
| 252275 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 883364 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 883364 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 883364 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 883364 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 883364 | XXXXXX | Product Type | 7/1 ARM | 5/1 ARM |
| 883364 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 674969 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 674969 | XXXXXX | Representative Credit Score for Grading | 738 | 737 |
| 668105 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 668105 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 668105 | XXXXXX | Property Type | Detached PUD | SFR |
| 604922 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 664248 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 851524 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 976476 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 976476 | XXXXXX | Property Type | SFR | Detached PUD |
| 988453 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 988453 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 556293 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 998593 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 998593 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 139301 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 436946 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 265497 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 693663 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 704511 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 704511 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 907487 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 568435 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 900096 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 408252 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 455190 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 643247 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 415322 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 879421 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 167715 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 167715 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 409499 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 409499 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 315676 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 688495 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 850310 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 850310 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 850310 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 326308 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 326308 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 326308 | XXXXXX | Representative Credit Score for Grading | 790 | 786 |
| 703163 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 703163 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 703163 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 668742 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 110321 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 162104 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 324779 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 324779 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 845833 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 845833 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 341437 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 341437 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 169434 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 169434 | XXXXXX | Property Type | SFR | SFR-Attached |
| 781716 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 835059 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 835059 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 988982 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 826503 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 806140 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 806140 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 776896 | XXXXXX | Debt to Income Ratio (Back) | 40.3000 | 23.0613 |
| 776896 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 328620 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 778346 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 911507 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 501492 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 634252 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 121148 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 121148 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 240964 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 953734 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 953734 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 258503 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 442916 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 952700 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 537597 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 232399 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 147689 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 775360 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 775360 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 775360 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 889722 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 255340 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 892075 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 469650 | XXXXXX | Debt to Income Ratio (Back) | 50.4000 | 37.3211 |
| 469650 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 469650 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 700334 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 393147 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 697818 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 697818 | XXXXXX | Property Type | 3 Family | 2 Family |
| 697818 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 455448 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 455448 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 455448 | XXXXXX | Representative Credit Score for Grading | 775 | 780 |
| 376289 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 959166 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 459343 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 439984 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 439984 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 483806 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 808239 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 808239 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 808239 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 363061 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 977280 | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 977280 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 792696 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 527597 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 527597 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 209682 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 738700 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 736198 | XXXXXX | Debt to Income Ratio (Back) | 48.9000 | 43.0821 |
| 736198 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 736198 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 383852 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 923908 | XXXXXX | Debt to Income Ratio (Back) | 35.4000 | 23.5341 |
| 923908 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 923908 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 917325 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 917325 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 683950 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 225350 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 225350 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 225350 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 225350 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 644124 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 644124 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 925607 | XXXXXX | Debt to Income Ratio (Back) | 34.1000 | 37.4896 |
| 925607 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 925607 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 925607 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 310838 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 164069 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 164069 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 873604 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 873604 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 873604 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 414916 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 414916 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 414916 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 821040 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 840578 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 840578 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 840578 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 161347 | XXXXXX | Debt to Income Ratio (Back) | 26.0000 | 19.4132 |
| 161347 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 161347 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 213872 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 213872 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 850237 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 850237 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 597429 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 597429 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 637689 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 863479 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 160140 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 160140 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 733821 | XXXXXX | Property Type | Detached PUD | SFR-Attached |
| 733821 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 310482 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 774977 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 774977 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 736519 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 608315 | XXXXXX | Debt to Income Ratio (Back) | 43.8000 | 40.4608 |
| 608315 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 608315 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 233627 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 541901 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 360065 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 283993 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 508248 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 905880 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 965809 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 576051 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 576051 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 271402 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 360106 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 293621 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 293621 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 108493 | XXXXXX | Debt to Income Ratio (Back) | 48.0000 | 44.8009 |
| 108493 | XXXXXX | Representative Credit Score for Grading | 796 | 797 |
| 108493 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 808586 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 808586 | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 539111 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 539111 | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 539111 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 338748 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 338748 | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 169541 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 169541 | XXXXXX | Origination Channel | Correspondent Flow without delegated underwriting | Retail |
| 169541 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 169541 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 502358 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 502358 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |

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©2026 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 99.8

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| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **Combined Loan Amount** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** |
| 779778 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 6.750 | N 1/8 | 8.8750 | 4.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.8750 | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Assumable upon credit approval | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 486730 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.950 | N 1/8 | 8.2400 | 4.950 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.2400 | 4.9500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 981559 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 9.8750 | 5.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.8750 | 5.7500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 745931 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 10.5000 | 8.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 13.5000 | 8.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 718824 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.950 | N 1/8 | 8.8750 | 6.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.8750 | 6.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 284574 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 789210 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 701685 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 851934 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 221692 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 6.000 | N 1/8 | 11.2500 | 6.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.2500 | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 967812 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 214007 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 583667 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.000 | N 1/8 | 11.3000 | 5.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.3000 | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 334125 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 505116 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.500 | N 1/8 | 10.0000 | 3.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.0000 | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 615265 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 827482 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 132277 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 6.000 | N 1/8 | 12.6250 | 4.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.6250 | 6.0000 | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 800715 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.500 | N 1/8 | 13.0000 | 3.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 13.0000 | 3.5000 | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 707558 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 287141 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 770717 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 15 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 180 | 180 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 230576 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 20% of OPB if amt prepd in 12 mos is >20% of UPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 6.000 | N 1/8 | 8.3750 | 6.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.3750 | 6.0000 | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 931477 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 441849 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 179086 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.7500 | 5.750 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.7500 | 5.7500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 399793 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 557883 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 300060 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 283917 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.3750 | 5.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.3750 | 5.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 126052 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 255159 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.3750 | 6.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.3750 | 6.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 876991 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 831861 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 366055 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 831044 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 433257 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.2500 | 6.250 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.2500 | 6.2500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 298170 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 124547 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 157605 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 594577 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.3750 | 5.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.3750 | 5.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 389643 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 285449 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.3750 | 5.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.3750 | 5.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 785520 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.3750 | 5.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.3750 | 5.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 494394 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 475193 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.8750 | 5.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.8750 | 5.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 391657 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.5000 | 5.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.5000 | 5.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 782418 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 110075 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.5000 | 6.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.5000 | 6.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 246392 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 651478 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.000 | N 1/8 | 9.2500 | 5.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 9.2500 | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Lender Internal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 236055 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.500 | N 1/8 | 7.9990 | 3.999 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.9990 | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 513003 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 166097 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.500 | N 1/8 | 10.8750 | 5.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.8750 | 5.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 608508 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Mixed Use | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 133247 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 384635 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 613335 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 469448 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.500 | N 1/8 | 9.7500 | 5.750 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.7500 | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 847574 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 963677 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 210942 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 549220 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.500 | N 1/8 | 8.3750 | 4.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.3750 | 3.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 754314 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 989152 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 950684 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 880851 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 939629 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 318857 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 598411 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 514180 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Vacant | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 957246 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.3750 | 6.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.3750 | 6.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 860650 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 272364 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.8750 | 5.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.8750 | 5.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 467665 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 471065 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 794739 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 190364 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 130848 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.125 | N 1/8 | 7.8750 | 5.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.8750 | 5.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 334029 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 698597 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 130391 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 358617 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 497554 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.500 | N 1/8 | 10.8750 | 3.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.8750 | 3.5000 | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 476319 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 688110 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 318522 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 459981 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 7.000 | N 1/8 | 9.2500 | 7.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.2500 | 7.0000 | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 647699 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | AVM | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 380168 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 797271 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 892986 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 813598 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 476948 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 278699 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 451486 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 116713 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 746144 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 802036 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 697428 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 683778 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 440156 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 442300 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.500 | N 1/8 | 7.8750 | 3.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.8750 | 3.5000 | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 487434 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 198907 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 7.000 | N 1/8 | 8.1250 | 7.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.1250 | 7.0000 | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 312650 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 169889 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 542501 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 889462 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 294012 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 1% of UPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 429958 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 891328 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 281088 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 833893 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 806787 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 668205 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 861230 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 492663 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 137047 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 228861 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 587037 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 762582 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 480958 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 599344 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 531983 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 957206 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.500 | N 1/8 | 9.8750 | 5.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.8750 | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 564631 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 970996 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 597987 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 603117 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 976510 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.125 | N 1/8 | 10.3750 | 8.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 13.3750 | 8.3750 | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 429556 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 829174 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 696499 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 602760 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 707550 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 695083 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 266120 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 436076 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 421753 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 816883 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 933334 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 496380 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.125 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 807457 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 308142 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.125 | N 1/8 | 9.9900 | 7.990 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.9900 | 7.9900 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 991483 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 895740 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.125 | N 1/8 | 8.9900 | 6.990 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.9900 | 6.9900 | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 956960 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 991604 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 200433 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 9.2500 | 7.250 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.2500 | 7.2500 | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 198144 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 300674 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 354419 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 828476 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 974236 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 662700 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 840206 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 256630 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 299499 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 653386 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 414208 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 996516 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 563727 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 498927 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 494695 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 961884 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 15 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 180 | 180 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 486345 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 603180 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.0000 | 6.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.0000 | 6.0000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 903698 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 594495 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 250902 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 158306 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 230253 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 348225 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.3750 | 5.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.3750 | 5.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 296918 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 387914 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 337635 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 962819 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 15 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 180 | 180 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 626472 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 15 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 180 | 180 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 720277 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.0000 | 6.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.0000 | 6.0000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 879668 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 7/1 ARM IO | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 84 | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.0000 | 6.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.0000 | 6.0000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 354998 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 717500 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.2500 | 6.250 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.2500 | 6.2500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 592410 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 269397 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 116330 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.8750 | 5.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.8750 | 5.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | Subject to Completion(cert in file) | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 369666 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 9.6250 | 7.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.6250 | 7.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | AVM | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 531320 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 723024 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | AVM | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 224385 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | BPO | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 354594 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 684405 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 335470 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 10.4900 | 8.490 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 13.4900 | 8.4900 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | AVM | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 991663 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 990984 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 241761 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 739972 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 7.7500 | 5.750 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.7500 | 5.7500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | AVM | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 309916 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | AVM | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 882065 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.500 | N 1/8 | 7.5000 | 5.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.5000 | 5.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 102344 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.6250 | 6.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.6250 | 6.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 729719 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 9.3740 | 7.374 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.3740 | 7.3740 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 495625 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | AVM | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 375910 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.3750 | 5.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.3750 | 5.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | AVM | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 646163 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | AVM | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 523056 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | AVM | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 874526 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 10 Yr IO, Fixed Rate | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | Desk | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 246223 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.7500 | 6.750 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.7500 | 6.7500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | AVM | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 942716 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 501284 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 408572 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 274984 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 769249 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 496167 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 743944 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 280513 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 269087 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 486795 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 734258 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 309941 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 437419 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Occupied But Person Unknown | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 684003 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 10.0000 | 6.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 14.0000 | 4.7500 | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Assumable upon credit approval | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 634195 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 593271 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 801555 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of amt prepd in yr 1,2,3 | No | 0 | 5-Year TCM (weekly) | 45 | 3.500 | N 1/8 | 12.6250 | 6.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.6250 | 6.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 830414 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 314764 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 526871 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 949427 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 252275 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 883364 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 1-Year TCM (weekly) | 45 | 3.000 | N 1/8 | 5.8750 | 3.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 9.8750 | 3.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 674969 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 323599 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 668105 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 604922 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 664248 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 851524 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 976476 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 988453 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 556293 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 998593 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 889122 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 139301 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 436946 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 265497 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 693663 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 704511 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 907487 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 568435 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 900096 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 408252 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 913673 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 552463 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 455190 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 643247 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 415322 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 879421 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 167715 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 409499 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 315676 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 845743 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 688495 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 796266 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 850310 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 326308 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 703163 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 668742 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 110321 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 162104 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 324779 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 845833 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 341437 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 169434 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of amt prepd in yr 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 781716 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 835059 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 988982 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 826503 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 806140 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 776896 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 328620 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 778346 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 911507 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 501492 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 387248 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 634252 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Unavailable | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 284545 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 121148 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | No | 0 | 1-Year TCM (weekly) | 45 | 3.500 | N 1/8 | 6.0000 | 4.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.0000 | 4.0000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Assumable upon credit approval | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 240964 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 953734 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 730984 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 836492 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 258503 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 442916 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 952700 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 537597 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 232399 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 2% of UPB with MO Prepay avoidance clause. | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 816460 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 147689 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 1% of amt prepaid > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 775360 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 3%, 2%, 1% of UPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 889722 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 344488 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 255340 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 892075 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 469650 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 700334 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 393147 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 697818 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 455448 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 376289 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 959166 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 459343 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 439984 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 483806 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 808239 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 363061 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 977280 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 792696 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 527597 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 209682 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 738700 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 736198 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 383852 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 923908 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 917325 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 683950 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 819459 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 591368 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 225350 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 850615 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 644124 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 925607 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 310838 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 164069 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 150433 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 873604 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 414916 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 821040 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 840578 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Mid Rise Condo (5-8) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 161347 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 213872 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 692001 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 935223 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 850237 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 597429 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Mid Rise Condo (5-8) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 637689 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 863479 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 160140 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 345257 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 733821 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 310482 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 774977 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 736519 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 168095 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 608315 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 233627 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 315817 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 101937 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 541901 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 360065 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 283993 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 439841 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 508248 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 905880 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 965809 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 571812 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 576051 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 320474 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 271402 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 360106 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 293621 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 108493 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 808586 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 539111 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.000 | N 1/8 | 8.7500 | 5.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.7500 | 5.0000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 338748 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.000 | N 1/8 | 8.7500 | 6.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.7500 | 5.0000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 284067 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 169541 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 502358 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |

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| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Appraiser First Name** | **Appraiser Last Name** | **Appraiser Certification/License #** |
| 779778 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 331 | 50000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 762 | 790 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 752 | Not Applicable | 749 | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Indexed, Fully Amortized | 9.750 | XXXXXX | 0 | 0 | No Doc | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable D B | A B | A D B | A B | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 999 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 486730 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 103 | 5000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 653 | 656 | 685 | 13109.80 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 656 | XXXXXX | XXXXXX | 32.07 | 32.07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.28 | 0.28 | Fully Amortized | 6.240 | XXXXXX | 32.07 | 32.07 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 2 months;<br> P & L - 24 months;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 981559 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 78 | 2500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 550 | 540 | 539 | 4258.09 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 540 | XXXXXX | XXXXXX | 46.8 | 46.8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Indexed, Fully Amortized | 8.750 | XXXXXX | 49.43 | 49.43 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Business Bank Statements - 2 months;<br> Personal Bank Statements - 14 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 745931 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 131 | 6000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | Not Applicable | 733 | 11859.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 720 | XXXXXX | XXXXXX | 37.82 | 43.44 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.54 | 6.54 | Fully Amortized | 8.500 | XXXXXX | 37.82 | 43.44 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | B A | B C A | B A | B | Business Bank Statements - 24 months;<br> P & L - 999 months;<br> Personal Bank Statements - 2 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 718824 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 108 | 500.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 679 | 695 | 687 | 6661.76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 687 | XXXXXX | XXXXXX | 42.98 | 47.02 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.93 | 2.93 | Fully Amortized | 6.875 | XXXXXX | 42.98 | 47.02 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | B A | A D B | B A | A | Business Bank Statements - 25 months;<br> P & L - 999 months;<br> Personal Bank Statements - 25 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 284574 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 512 | 43000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 771 | 783 | 10259.70 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 777 | 802 | XXXXXX | XXXXXX | XXXXXX | 796 | XXXXXX | XXXXXX | 20.6 | 36.37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.66 | 13.21 | Qualifying Rate, Fully Amortized | 7.625 | XXXXXX | 27.56 | 43.33 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | P & L - 999 months;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 0 months | Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 789210 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 211 | 10000.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 728 | 743 | 754 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 743 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 167.25 | 167.25 | Fully Amortized | 3.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 701685 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | Yes | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 346 | 18061.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 710 | 741 | 705 | 26373.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 710 | XXXXXX | XXXXXX | 23.65 | 27.96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.68 | 16.68 | Fully Amortized | 5.500 | XXXXXX | 23.65 | 27.96 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | D B A | B D A | D B A | B | Business Bank Statements - 12 months;<br> P & L - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 851934 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 360 | 131479.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 773 | 798 | 763 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 773 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 252.6 | 252.60 | Fully Amortized | 5.050 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C B A | B D A | C B A | B | Personal Bank Statements - 4 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 221692 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 72 | 36865.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 712 | 676 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 704 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 35.88 | 30.01 | Qualifying Rate, Fully Amortized | 8.619 | XXXXXX | 0 | 0 | No Ratio | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A | A B | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 967812 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 153 | 28568.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 727 | 721 | 707 | 117338.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 5.58 | 18.48 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 51.8 | 51.80 | Fully Amortized | 4.750 | XXXXXX | 5.58 | 18.48 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | D B A | B D A | D B A | B | Business Bank Statements - 24 months;<br> P & L - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 214007 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Short Form Limited Final | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 105 | 73482.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 645 | 689 | 647 | 72438.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 647 | XXXXXX | XXXXXX | 6.63 | 16.14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.75 | 11.75 | Fully Amortized | 7.390 | XXXXXX | 6.63 | 16.14 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 12 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 583667 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 216 | 17000.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 646 | 654 | 645 | 18000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 646 | XXXXXX | XXXXXX | 4.71 | 47.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 50.64 | 47.20 | Qualifying Rate, Fully Amortized | 7.147 | XXXXXX | 4.71 | 48.26 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A | A B | A | A | Business Bank Statements - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 334125 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 512 | 2400.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 748 | 764 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 764 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 24.11 | 24.11 | Fully Amortized | 4.990 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A | A B | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 505116 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 67 | 32677.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 798 | 768 | 14600.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 713 | 731 | 735 | XXXXXX | XXXXXX | XXXXXX | 774 | XXXXXX | XXXXXX | 39.05 | 43.83 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.05 | 12.27 | Qualifying Rate, Fully Amortized | 5.798 | XXXXXX | 41.56 | 46.34 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | B C A | C B A | B | Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 615265 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 302 | 5000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 805 | 765 | 765 | 11700.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 765 | XXXXXX | XXXXXX | 37.64 | 38.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 148.92 | 148.92 | Fully Amortized | 5.650 | XXXXXX | 37.64 | 38.41 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C B A | B D A | C B A | B | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 827482 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 275 | 43000.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 786 | 798 | 16534.47 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 786 | XXXXXX | XXXXXX | 15.71 | 37.96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 119.09 | 115.63 | Fully Indexed, Fully Amortized | 6.000 | XXXXXX | 16.18 | 38.43 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | CPA Letter with Income - 24 months;<br> P & L - 15 months;<br> Verbal VOE with Income - 73 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 132277 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 0 | 0.00 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 662 | Not Applicable | Not Applicable | 31456.29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 662 | XXXXXX | XXXXXX | 1.77 | 22.29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 43.42 | 43.42 | Fully Amortized | 6.625 | XXXXXX | 1.77 | 22.29 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | C B A | A D | C B A | A | CPA Letter with Income - 1 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 800715 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 120 | 5662.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 696 | 706 | 644 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | 696 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.12 | 6.12 | Start Rate | 7.000 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 707558 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 240 | 16100.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 772 | 778 | 12000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 778 | XXXXXX | XXXXXX | 36.8 | 42.59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.45 | 8.45 | Fully Amortized | 6.375 | XXXXXX | 36.8 | 42.59 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D | B A | B | Verbal VOE with Income - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 287141 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 109 | 10900.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 693 | 719 | 705 | 10416.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 705 | XXXXXX | XXXXXX | 35.8 | 39.49 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.03 | 10.03 | Fully Amortized | 6.875 | XXXXXX | 35.8 | 39.49 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Verbal VOE with Income - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 770717 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 76 | 15000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 754 | 728 | 5288.91 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 728 | XXXXXX | XXXXXX | 44.96 | 49.31 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.06 | 2.06 | Fully Amortized | 5.990 | XXXXXX | 44.96 | 49.31 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Tax Return - 24 months;<br> Written VOE - 160 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 230576 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 186 | 20000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 768 | 782 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 782 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 60.64 | 54.13 | Fully Indexed, Fully Amortized | 7.750 | XXXXXX | 0 | 0 | Alt Doc / Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 931477 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 248 | 9700.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 664 | 671 | 682 | 71175.55 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 671 | XXXXXX | XXXXXX | 9.18 | 16.65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 19.97 | 19.97 | Fully Amortized | 4.990 | XXXXXX | 9.18 | 16.65 | Alt Doc / Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 441849 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 305 | 30000.00 | 22 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 702 | 741 | 689 | 35945.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 770 | 740 | 765 | XXXXXX | XXXXXX | XXXXXX | 702 | XXXXXX | XXXXXX | 8.29 | 36.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 66.28 | 66.28 | Fully Amortized | 6.125 | XXXXXX | 8.29 | 36.16 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | A | A D C | A | A | Business Bank Statements - 2 months;<br> CPA Letter with Income - 173 months;<br> P & L - 16 months;<br> Verbal VOE with Income - 173 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 179086 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 82 | 36726.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 702 | 734 | 720 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 720 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 41.96 | 41.96 | Start Rate | 5.750 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 399793 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 52 | 22252.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 778 | 773 | 7500.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 775 | XXXXXX | XXXXXX | 0 | 24.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.26 | 9.84 | Fully Indexed, Fully Amortized | 6.125 | XXXXXX | 0 | 25.18 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | CPA Letter with Income - 24 months;<br> Verbal VOE with Income - 30 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 557883 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 197 | 24002.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 714 | 733 | 4340.56 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 727 | 725 | XXXXXX | XXXXXX | XXXXXX | 717 | XXXXXX | XXXXXX | 29.8 | 37.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.67 | 4.47 | Fully Indexed, Fully Amortized | 6.125 | XXXXXX | 31.11 | 38.85 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | A B | A D B | A B | A | CPA Letter with Income - 36 months;<br> P & L - 16 months;<br> Verbal VOE with Income - 26 months | CPA Letter with Income - 36 months;<br> Verbal VOE with Income - 54 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 300060 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 194 | 13000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 759 | 787 | 22127.40 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 766 | XXXXXX | XXXXXX | 12.26 | 45.65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.63 | 13.63 | Fully Amortized | 5.875 | XXXXXX | 12.26 | 45.65 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | CPA Letter with Income - 120 months;<br> Lease Agreement - 12 months;<br> P & L - 15 months;<br> Verbal VOE with Income - 216 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 283917 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 82 | 29000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 745 | 740 | 735 | 17500.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 740 | XXXXXX | XXXXXX | 34.16 | 35.39 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 66.62 | 62.76 | Fully Indexed, Fully Amortized | 6.125 | XXXXXX | 36.25 | 37.49 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | Verbal VOE with Income - 48 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 126052 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 43 | 10600.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 727 | 712 | 690 | 12306.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 712 | XXXXXX | XXXXXX | 11.2 | 39 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.5 | 21.50 | Fully Amortized | 6.125 | XXXXXX | 11.2 | 39 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A B | A | CPA Letter with Income - 228 months;<br> P & L - 15 months;<br> Verbal VOE with Income - 228 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 255159 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 354 | 58000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 722 | 772 | 28000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 20.58 | 32.24 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 86.71 | 86.71 | Start Rate | 6.375 | XXXXXX | 20.58 | 32.24 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Lease Agreement - 36 months;<br> Verbal VOE with Income - 38 months;<br> Written VOE - 38 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 876991 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 82 | 23402.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 740 | 736 | 721 | 21805.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 736 | XXXXXX | XXXXXX | 10.71 | 35.31 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 37.43 | 37.43 | Fully Amortized | 5.875 | XXXXXX | 10.71 | 35.31 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | CPA Letter with Income - 36 months;<br> P & L - 15 months;<br> Verbal VOE with Income - 183 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 831861 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 349 | 18000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 752 | 746 | 766 | 8028.50 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 752 | XXXXXX | XXXXXX | 17.44 | 29.58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.84 | 17.84 | Fully Amortized | 5.875 | XXXXXX | 17.44 | 29.58 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter with Income - 60 months;<br> Lease Agreement - 12 months;<br> P & L - 16 months;<br> Verbal VOE with Income - 60 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 366055 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 60 | 22976.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 745 | 757 | 9201.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 746 | XXXXXX | XXXXXX | 41.42 | 45.84 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.85 | 10.85 | Fully Amortized | 5.875 | XXXXXX | 41.42 | 45.84 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | P & L - 16 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 831044 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 146 | 24000.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 789 | 770 | 772 | 14250.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 772 | XXXXXX | XXXXXX | 28.02 | 38.73 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.89 | 13.89 | Fully Amortized | 5.875 | XXXXXX | 28.02 | 38.73 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Lease Agreement - 12 months;<br> Verbal VOE with Income - 36 months;<br> Written VOE - 48 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 433257 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 108 | 26800.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 805 | 795 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 804 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 61.8 | 61.80 | Fully Amortized | 6.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 298170 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 22 | 36377.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 745 | 697 | 724 | 20526.47 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 724 | XXXXXX | XXXXXX | 28.86 | 32.79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.82 | 11.32 | Fully Indexed, Fully Amortized | 6.125 | XXXXXX | 30.14 | 34.08 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | CPA Letter with Income - 24 months;<br> P & L - 15 months;<br> Verbal VOE with Income - 29 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 124547 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 48 | 12000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 750 | 762 | 6157.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 758 | XXXXXX | XXXXXX | 35.04 | 35.04 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.84 | 8.66 | Fully Indexed, Fully Amortized | 5.875 | XXXXXX | 35.73 | 35.73 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | CPA Letter with Income - 24 months;<br> P & L - 16 months;<br> Verbal VOE with Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 157605 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 121 | 10000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 716 | 756 | 733 | 11199.94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 733 | XXXXXX | XXXXXX | 37.48 | 44.21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 39.58 | 39.58 | Fully Amortized | 6.250 | XXXXXX | 37.48 | 44.21 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter with Income - 24 months;<br> P & L - 16 months;<br> Verbal VOE with Income - 96 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 594577 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 32 | 31809.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 724 | 645 | 5200.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 719 | XXXXXX | XXXXXX | 35.58 | 47.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.15 | 4.96 | Fully Indexed, Fully Amortized | 5.875 | XXXXXX | 36.94 | 48.9 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | Verbal VOE with Income - 48 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 389643 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 6 | 6000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 800 | 814 | 4800.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 804 | XXXXXX | XXXXXX | 34 | 34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.54 | 29.54 | Fully Amortized | 5.875 | XXXXXX | 34 | 34 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D B A | B D A | D B A | B | Verbal VOE with Income - 36 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 285449 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 139 | 4500.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 684 | 710 | 731 | 6522.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 710 | XXXXXX | XXXXXX | 39.87 | 45.31 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.39 | 3.18 | Fully Indexed, Fully Amortized | 6.125 | XXXXXX | 42.49 | 47.93 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | Verbal VOE with Income - 36 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 785520 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 72 | 7500.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 772 | 766 | 8000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 781 | 785 | XXXXXX | XXXXXX | XXXXXX | 766 | XXXXXX | XXXXXX | 35.95 | 40.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.08 | 9.55 | Fully Indexed, Fully Amortized | 6.000 | XXXXXX | 37.94 | 42.32 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Verbal VOE with Income - 28 months;<br> Written VOE - 28 months | Verbal VOE with Income - 28 months;<br> Written VOE - 28 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 494394 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 91 | 10500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 752 | 677 | 691 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 691 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 124.57 | 119.51 | Fully Indexed, Fully Amortized | 6.125 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 475193 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 1 | 28608.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 742 | 752 | 6700.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 752 | XXXXXX | XXXXXX | 41.37 | 41.37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.79 | 11.79 | Fully Indexed, Fully Amortized | 5.875 | XXXXXX | 41.37 | 41.37 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Verbal VOE with Income - 29 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 391657 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 68 | 11284.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 726 | 717 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 720 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 19.67 | 18.91 | Fully Indexed, Fully Amortized | 6.125 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 782418 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 182 | 20000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 750 | 760 | 16000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 758 | XXXXXX | XXXXXX | 40.78 | 41.09 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 55.15 | 53.39 | Fully Indexed, Fully Amortized | 6.000 | XXXXXX | 42.12 | 42.44 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C A | A D | C A | A | Verbal VOE with Income - 49 months;<br> Written VOE - 51 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 110075 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 300 | 46000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 702 | 718 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 718 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 47.56 | 47.56 | Start Rate | 6.500 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 246392 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 72 | 18000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 746 | 741 | 10175.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 746 | XXXXXX | XXXXXX | 23.59 | 26.5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.67 | 6.67 | Fully Amortized | 7.000 | XXXXXX | 23.59 | 26.51 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D | B A | B | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 27 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 651478 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 382 | 12500.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 779 | 796 | 71836.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 794 | XXXXXX | XXXXXX | 4.39 | 37.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 157.54 | 127.10 | Fully Indexed, Fully Amortized | 6.000 | XXXXXX | 4.39 | 39.51 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | C A | A C | C A | A | Business Bank Statements - 24 months;<br> CPA Letter without Income - 84 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 236055 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 199 | 25000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 786 | 793 | 50436.94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 793 | XXXXXX | XXXXXX | 11.66 | 18.18 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.42 | 11.42 | Fully Amortized | 5.999 | XXXXXX | 11.66 | 18.18 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | D B A | A D B | D B A | A | CPA Letter without Income - 108 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 513003 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 276 | 20250.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 735 | 692 | 1868.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 659 | 642 | 634 | XXXXXX | XXXXXX | XXXXXX | 642 | XXXXXX | XXXXXX | 41.1 | 49.89 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.66 | 11.66 | Fully Amortized | 6.875 | XXXXXX | 41.1 | 49.89 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | A B | B A | A | Award Letter - 12 months | Award Letter - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 166097 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 148 | 25000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 661 | 720 | 712 | 32017.68 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 712 | XXXXXX | XXXXXX | 29.38 | 35.9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.65 | 5.99 | Fully Indexed, Fully Amortized | 7.375 | XXXXXX | 32.6 | 39.12 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 608508 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 150 | 16500.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 705 | 702 | 5414.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 792 | 775 | XXXXXX | XXXXXX | XXXXXX | 702 | XXXXXX | XXXXXX | 24.78 | 26.24 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 41.59 | 41.59 | Fully Amortized | 5.250 | XXXXXX | 24.78 | 26.24 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor D B | D B A | A D B | D B A | A | Business Tax Return - 24 months;<br> CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 133247 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 326 | 23700.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 794 | 733 | 4678.51 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 758 | XXXXXX | XXXXXX | 43.92 | 49.2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.09 | 3.09 | Fully Amortized | 5.500 | XXXXXX | 43.92 | 49.2 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C B A | B D A | C B A | B | CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 384635 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 17 | 2600.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 651 | 683 | 661 | 4301.01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 661 | XXXXXX | XXXXXX | 37.77 | 48.7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 28.31 | 28.31 | Fully Amortized | 6.875 | XXXXXX | 37.77 | 48.7 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 613335 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 177 | 12000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 811 | 807 | 783 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 807 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.64 | 21.64 | Fully Amortized | 5.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | D A | A D C | D A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 469448 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 110 | 9000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 531 | 616 | 603 | 8795.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 603 | XXXXXX | XXXXXX | 17.96 | 32.59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 22.22 | 22.22 | Fully Amortized | 7.750 | XXXXXX | 17.96 | 32.59 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 847574 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 54 | 5990.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 627 | 596 | 672 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 627 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.19 | 13.19 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 963677 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 181 | 25000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 673 | 664 | 12958.83 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 673 | XXXXXX | XXXXXX | 18.12 | 19.37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.57 | 4.57 | Fully Amortized | 5.625 | XXXXXX | 18.12 | 19.37 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | B C A | C B A | B | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 210942 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 92 | 18506.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 711 | 709 | 5644.38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 709 | XXXXXX | XXXXXX | 24.83 | 31.19 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.46 | 7.46 | Fully Amortized | 6.625 | XXXXXX | 24.83 | 31.19 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 24 months;<br> CPA Letter with Income - 1 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 549220 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 185 | 12700.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 770 | 796 | 760 | 18639.89 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 770 | XXXXXX | XXXXXX | 2.19 | 37.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.67 | 4.67 | Qualifying Rate, Fully Amortized | 6.375 | XXXXXX | 2.19 | 37.62 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | D B A | A D C | D B A | A | Business Tax Return - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 754314 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 194 | 7500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 710 | Not Applicable | 1708.55 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 721 | 726 | XXXXXX | XXXXXX | XXXXXX | 704 | XXXXXX | XXXXXX | 32.82 | 32.82 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.44 | 9.44 | Fully Amortized | 6.625 | XXXXXX | 32.82 | 32.82 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | C A | C B A | C | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 989152 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 312 | 3233.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 559 | 538 | 505 | 1878.68 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 549 | 576 | 531 | XXXXXX | XXXXXX | XXXXXX | 538 | XXXXXX | XXXXXX | 28.16 | 30.22 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 18.94 | 18.94 | Fully Amortized | 9.625 | XXXXXX | 28.16 | 30.22 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 11 months;<br> W2 - 24 months | Award Letter - 1 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 950684 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 71 | 49141.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 714 | 750 | 8912.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 750 | XXXXXX | XXXXXX | 26.24 | 41.45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.27 | 3.27 | Fully Amortized | 5.000 | XXXXXX | 26.24 | 41.45 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 880851 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 78 | 2500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 531 | 517 | 600 | 6100.94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 531 | XXXXXX | XXXXXX | 19.11 | 49.4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.47 | 3.47 | Fully Amortized | 8.250 | XXXXXX | 19.11 | 49.4 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 939629 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 161 | 18500.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 707 | 741 | 18803.27 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 714 | XXXXXX | XXXXXX | 12.31 | 28.84 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.91 | 10.91 | Fully Amortized | 6.875 | XXXXXX | 12.31 | 28.84 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 318857 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 32 | 63734.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 596 | 539 | 568 | 7401.07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 568 | XXXXXX | XXXXXX | 32.96 | 40.34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 31.68 | 31.68 | Fully Amortized | 7.250 | XXXXXX | 32.96 | 40.34 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 598411 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 141 | 42563.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 812 | 822 | 798 | 13468.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 812 | XXXXXX | XXXXXX | 23.27 | 28.46 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 49.44 | 49.44 | Fully Amortized | 6.125 | XXXXXX | 23.27 | 28.46 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 514180 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 316 | 10000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 612 | 599 | 623 | 3000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 612 | XXXXXX | XXXXXX | 32.28 | 41.34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 55.31 | 55.31 | Fully Amortized | 6.125 | XXXXXX | 32.28 | 41.35 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | IRS Transcripts – W2(s) - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 957246 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 97 | 35000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 706 | 713 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 713 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 48.57 | 48.57 | Start Rate | 6.375 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 860650 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 28 | 2500.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 728 | 649 | 5271.29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 698 | XXXXXX | XXXXXX | 30.56 | 31.04 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.06 | 7.06 | Fully Amortized | 7.875 | XXXXXX | 30.56 | 31.04 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 73 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 272364 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 17499.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 8.57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.6 | 8.60 | Fully Indexed, Fully Amortized | 5.875 | XXXXXX | 0 | 8.57 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | Verbal VOE with Income - 182 months;<br> Written VOE - 42 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 467665 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 144 | 25000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 780 | 772 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 772 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 37.73 | 37.72 | Fully Amortized | 5.625 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 471065 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 156 | 52597.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 761 | 768 | 750 | 36563.80 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 761 | XXXXXX | XXXXXX | 24.93 | 35.26 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.41 | 9.41 | Fully Amortized | 5.750 | XXXXXX | 24.93 | 35.26 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 16 months;<br> CPA Letter with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 2 months;<br> Verbal VOE with Income - 999 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 794739 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 24 | 1084.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 732 | 689 | 8204.65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 732 | XXXXXX | XXXXXX | 27.23 | 29.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 35.06 | 35.06 | Fully Amortized | 6.125 | XXXXXX | 27.23 | 29.67 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 2 months;<br> Verbal VOE with Income - 999 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 190364 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 59 | 5000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 701 | 723 | 18075.76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 719 | XXXXXX | XXXXXX | 24.49 | 36.15 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.05 | 7.05 | Fully Amortized | 6.750 | XXXXXX | 24.49 | 36.15 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 12 months;<br> CPA Letter with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 130848 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 278 | 12800.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 719 | 710 | 13506.80 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 741 | 725 | XXXXXX | XXXXXX | XXXXXX | 719 | XXXXXX | XXXXXX | 33.7 | 36.57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.68 | 12.09 | Qualifying Rate, Fully Amortized | 7.250 | XXXXXX | 38.12 | 40.99 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 2 months;<br> CPA Letter with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 334029 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 189 | 27000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 718 | 749 | 35538.17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 21.53 | 30.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.55 | 14.55 | Fully Amortized | 5.500 | XXXXXX | 21.53 | 30.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D B A | B D A | D B A | B | Business Bank Statements - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 698597 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 105 | 18800.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 727 | 745 | 725 | 5246.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 727 | XXXXXX | XXXXXX | 12.73 | 31.66 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.48 | 3.48 | Fully Amortized | 6.125 | XXXXXX | 12.73 | 31.66 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 130391 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 27 | 3000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 561 | 614 | 624 | 3156.40 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 597 | 625 | 633 | XXXXXX | XXXXXX | XXXXXX | 614 | XXXXXX | XXXXXX | 18.29 | 28.71 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 18.65 | 18.65 | Fully Amortized | 7.875 | XXXXXX | 18.29 | 28.71 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 358617 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 222 | 12100.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 770 | 766 | 7307.18 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 766 | XXXXXX | XXXXXX | 12.91 | 23.24 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 24.79 | 24.79 | Fully Amortized | 6.000 | XXXXXX | 12.91 | 23.24 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | C B A | A D C | C B A | A | Business Bank Statements - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 497554 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 65 | 30191.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 685 | 736 | 684 | 69977.56 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 685 | XXXXXX | XXXXXX | 7 | 8.14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.27 | 4.27 | Fully Amortized | 5.875 | XXXXXX | 7 | 8.14 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | D C A | B D C | D C A | B | Business Bank Statements - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 476319 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 82 | 15000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 773 | 755 | 761 | 12043.61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 761 | XXXXXX | XXXXXX | 32.17 | 37.3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.19 | 4.19 | Fully Amortized | 5.875 | XXXXXX | 32.17 | 37.3 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | D C A | B D C | D C A | B | Business Bank Statements - 24 months;<br> CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 688110 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 231 | 7000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 664 | 660 | 620 | 4341.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 661 | 654 | Missing | XXXXXX | XXXXXX | XXXXXX | 654 | XXXXXX | XXXXXX | 20.12 | 46.6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.23 | 3.23 | Fully Amortized | 6.250 | XXXXXX | 20.12 | 46.6 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 24 months;<br> Paystub - 3 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 12 months;<br> Written VOE - 1 months | Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 318522 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 286 | 6700.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 672 | 688 | 733 | 22261.35 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 712 | 689 | 675 | XXXXXX | XXXXXX | XXXXXX | 688 | XXXXXX | XXXXXX | 34.94 | 45.86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.34 | 7.34 | Fully Amortized | 6.250 | XXXXXX | 34.94 | 45.86 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Personal Bank Statements - 12 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 459981 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 55 | 1600.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 670 | 697 | 702 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 697 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.2 | 3.69 | Fully Indexed, Fully Amortized | 8.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 647699 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | Yes | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 76 | 113000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 780 | 747 | 17315.14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 780 | XXXXXX | XXXXXX | 19.1 | 45.34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 38.67 | 38.67 | Fully Amortized | 5.875 | XXXXXX | 19.1 | 45.34 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C B A | B D | C B A | B | Business Bank Statements - 24 months;<br> CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 380168 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 157 | 83166.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 672 | 671 | 679 | 33189.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 672 | XXXXXX | XXXXXX | 13.44 | 25.31 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.28 | 6.28 | Fully Amortized | 6.375 | XXXXXX | 13.44 | 25.31 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption D A | D B A | B D A | D B A | B | Business Bank Statements - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 797271 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 82 | 7500.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 631 | 636 | 656 | 293392.02 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 636 | XXXXXX | XXXXXX | 0.58 | 1.21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.74 | 7.74 | Fully Amortized | 8.000 | XXXXXX | 0.58 | 1.21 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | C A | A D C | C A | A | Business Bank Statements - 24 months;<br> CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 892986 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 200 | 38700.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 779 | 758 | 16688.57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 779 | XXXXXX | XXXXXX | 20.29 | 48.83 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.18 | 4.18 | Fully Amortized | 5.250 | XXXXXX | 20.29 | 48.83 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 24 months;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 813598 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 138 | 25000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 810 | 786 | 793 | 6940.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 772 | 776 | XXXXXX | XXXXXX | XXXXXX | 776 | XXXXXX | XXXXXX | 22.34 | 45.82 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.68 | 4.68 | Fully Amortized | 6.375 | XXXXXX | 22.34 | 45.82 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 24 months;<br> CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months | CPA Letter with Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 476948 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 7 | No | Present | XXXXXX | 134 | 500.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 656 | 676 | 40759.79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 676 | XXXXXX | XXXXXX | 9.1 | 18.95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 22.88 | 22.88 | Fully Amortized | 6.500 | XXXXXX | 9.1 | 18.95 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Business Bank Statements - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 278699 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 133 | 1000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 596 | 582 | 603 | 4305.60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 596 | XXXXXX | XXXXXX | 20.7 | 20.7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.21 | 6.21 | Fully Amortized | 8.500 | XXXXXX | 20.7 | 20.7 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption D A | D B A | B D A | D B A | B | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 451486 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 13 | 8837.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 603 | 527 | 580 | 4868.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 628 | 594 | 624 | XXXXXX | XXXXXX | XXXXXX | 580 | XXXXXX | XXXXXX | 28.71 | 39.31 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 58.47 | 58.47 | Fully Amortized | 7.750 | XXXXXX | 28.71 | 39.31 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C A | A D | C A | A | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 116713 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 27 | 2000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 731 | 777 | 732 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 732 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.18 | 29.18 | Fully Amortized | 6.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 746144 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 524 | 35032.00 | 22 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 697 | 685 | 697 | 7441.60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 710 | 711 | XXXXXX | XXXXXX | XXXXXX | 697 | XXXXXX | XXXXXX | 30.44 | 48.21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.04 | 3.04 | Fully Amortized | 6.875 | XXXXXX | 30.44 | 48.21 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | A B | B A | A | Award Letter - 12 months;<br> CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | Award Letter - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 802036 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 62 | 12000.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 728 | 748 | 11642.66 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 738 | XXXXXX | XXXXXX | 14.94 | 36.71 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.51 | 2.51 | Fully Amortized | 7.125 | XXXXXX | 14.94 | 36.71 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A B | A C | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 697428 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 126 | 8800.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 730 | 755 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 699 | 722 | 706 | XXXXXX | XXXXXX | XXXXXX | 706 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 112.46 | 112.46 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 683778 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 398 | 3304.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 618 | 649 | 598 | 12888.90 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 653 | 658 | 647 | XXXXXX | XXXXXX | XXXXXX | 618 | XXXXXX | XXXXXX | 19.49 | 19.49 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 33 | 33.00 | Fully Amortized | 7.875 | XXXXXX | 19.49 | 19.49 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 440156 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 195 | 30900.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 747 | 761 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 34.29 | 34.29 | Fully Amortized | 7.000 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 442300 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 201 | 22500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 789 | 698 | 713 | 34956.14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 805 | 802 | 803 | XXXXXX | XXXXXX | XXXXXX | 713 | XXXXXX | XXXXXX | 16.08 | 27.57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.72 | 6.72 | Start Rate | 5.875 | XXXXXX | 16.08 | 27.57 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 487434 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 59 | 16500.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 672 | 732 | 689 | 13105.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 689 | XXXXXX | XXXXXX | 16.65 | 22.95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.1 | 4.10 | Fully Amortized | 6.125 | XXXXXX | 16.65 | 22.95 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 198907 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 307 | 20500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 701 | 697 | 701 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 701 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 47.24 | 38.71 | Fully Indexed, Fully Amortized | 8.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | D A | A D | D A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 312650 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 234 | 2500.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 685 | 725 | 666 | 3764.71 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 685 | XXXXXX | XXXXXX | 21.33 | 45.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.09 | 4.09 | Fully Amortized | 6.000 | XXXXXX | 21.34 | 45.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 169889 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 335 | 28000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 732 | 723 | 61592.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 743 | 727 | XXXXXX | XXXXXX | XXXXXX | 723 | XXXXXX | XXXXXX | 11.14 | 37.72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.36 | 14.36 | Fully Amortized | 5.125 | XXXXXX | 11.14 | 37.72 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Tax Return - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> P & L - 8 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 542501 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 176 | 20000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 626 | 679 | 674 | 23168.76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 674 | XXXXXX | XXXXXX | 28.74 | 43.73 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.89 | 6.89 | Fully Amortized | 5.875 | XXXXXX | 28.74 | 43.73 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | A D | B A | A | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 889462 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 29 | 17687.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 742 | 742 | 632 | 37070.48 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 742 | XXXXXX | XXXXXX | 6.46 | 7.6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.11 | 12.11 | Fully Amortized | 6.125 | XXXXXX | 6.46 | 7.6 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 294012 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 88 | 11100.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 668 | 690 | 698 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 690 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 19.86 | 19.86 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 429958 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 68 | 1700.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 569 | 554 | 622 | 2944.27 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 569 | XXXXXX | XXXXXX | 32.37 | 48.06 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.55 | 4.55 | Fully Amortized | 7.000 | XXXXXX | 32.37 | 48.06 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | B A | A C | B A | A | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 891328 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 1297 | 27249.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 767 | 746 | 8068.59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 767 | XXXXXX | XXXXXX | 34.88 | 54.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.98 | 8.98 | Fully Amortized | 6.125 | XXXXXX | 34.88 | 54.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Award Letter - 1 months;<br> Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 281088 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 82 | 27981.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 739 | 744 | 25606.02 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 669 | 792 | 787 | XXXXXX | XXXXXX | XXXXXX | 739 | XXXXXX | XXXXXX | 6.73 | 11.26 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 94.47 | 94.47 | Fully Amortized | 6.750 | XXXXXX | 6.73 | 11.26 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | Business Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 833893 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 201 | 12500.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 645 | 610 | 648 | 30060.06 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 672 | 687 | 672 | XXXXXX | XXXXXX | XXXXXX | 645 | XXXXXX | XXXXXX | 16.17 | 35.7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 33.76 | 33.76 | Fully Amortized | 6.875 | XXXXXX | 16.17 | 35.7 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 23 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 806787 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 131 | 72053.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 756 | 798 | 428254.95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 765 | XXXXXX | XXXXXX | 1.23 | 4.76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 108.7 | 108.70 | Fully Amortized | 5.125 | XXXXXX | 1.23 | 4.76 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C A | A D | C A | A | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 668205 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 253 | 30000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 768 | 812 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 785 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 394.22 | 394.22 | Fully Amortized | 5.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | CPA Letter without Income - 1 months;<br> DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 12 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 861230 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Title Report | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 183 | 16300.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 673 | 656 | 677 | 42623.34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 673 | XXXXXX | XXXXXX | 5.19 | 14.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 60.1 | 60.10 | Fully Amortized | 6.625 | XXXXXX | 5.19 | 14.33 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption A | A | A | A | A | Business Bank Statements - 12 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 492663 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 404 | 40000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 773 | 772 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 718 | 735 | 746 | XXXXXX | XXXXXX | XXXXXX | 735 | XXXXXX | XXXXXX | 1.21 | 9.88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.4 | 14.40 | Fully Amortized | 6.250 | XXXXXX | 1.21 | 9.88 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 137047 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 34 | 15990.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 673 | 682 | 3693.52 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 678 | XXXXXX | XXXXXX | 0 | 42.12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.26 | 10.26 | Fully Amortized | 7.500 | XXXXXX | 0 | 42.12 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C B | D B | A D C B | D B | A | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 228861 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 31 | 24000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 694 | 715 | 41219.08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 715 | XXXXXX | XXXXXX | 9.41 | 17.66 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 23.64 | 23.64 | Fully Amortized | 5.500 | XXXXXX | 9.41 | 17.66 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 587037 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 41 | 3000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 671 | 666 | 683 | 4100.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 671 | XXXXXX | XXXXXX | 29 | 44.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.1 | 5.10 | Fully Amortized | 8.000 | XXXXXX | 29 | 44.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 24 months;<br> CPA Letter without Income - 132 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 762582 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 140 | 9500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 721 | 734 | 725 | 8533.90 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 725 | XXXXXX | XXXXXX | 11.53 | 13.88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.81 | 12.81 | Fully Amortized | 5.625 | XXXXXX | 11.53 | 13.88 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 480958 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 162 | 6458.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 660 | 670 | 626 | 18622.43 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 660 | XXXXXX | XXXXXX | 13.76 | 24.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 18.07 | 18.07 | Fully Amortized | 5.500 | XXXXXX | 13.76 | 24.75 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 24 months;<br> CPA Letter with Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 599344 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 73 | 6000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 663 | 688 | 683 | 98357.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 683 | XXXXXX | XXXXXX | 3.57 | 6.72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.63 | 6.63 | Fully Amortized | 6.625 | XXXXXX | 3.57 | 6.72 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 531983 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 128 | 45024.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 752 | 762 | 760 | 22240.08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 760 | XXXXXX | XXXXXX | 20.18 | 52.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.16 | 15.16 | Fully Amortized | 6.000 | XXXXXX | 20.18 | 52.62 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 957206 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 37 | 20000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 641 | 616 | 577 | 2656.83 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 578 | 614 | 569 | XXXXXX | XXXXXX | XXXXXX | 578 | XXXXXX | XXXXXX | 16.39 | 16.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.69 | 3.48 | Fully Amortized | 7.875 | XXXXXX | 17.39 | 17.66 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | IRS Transcripts – W2(s) - 12 months;<br> Written VOE - 1 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 564631 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 312 | 69738.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 829 | 773 | 17712.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 745 | 750 | XXXXXX | XXXXXX | XXXXXX | 774 | XXXXXX | XXXXXX | 9.18 | 40.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 32.93 | 32.93 | Fully Amortized | 6.500 | XXXXXX | 9.18 | 40.75 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter with Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 970996 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 12 | 500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 639 | 647 | 662 | 14657.61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 647 | XXXXXX | XXXXXX | 19.15 | 29.73 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.28 | 13.28 | Fully Amortized | 8.500 | XXXXXX | 19.15 | 29.73 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | A B | B A | A | Business Bank Statements - 2 months;<br> CPA Letter with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 597987 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 157 | 210.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 658 | 698 | 665 | 4125.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | 698 | 634 | XXXXXX | XXXXXX | XXXXXX | 634 | XXXXXX | XXXXXX | 40.98 | 40.98 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 5.375 | XXXXXX | 40.98 | 40.98 | Full Doc | Yes | Loan Prospector (LP) (FHLMC) or Loan Product Advisor | Accept Streamline LP AUS Only | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH D A | A | A D | A | A | CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 603117 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 32 | 14000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 633 | 710 | 692 | 46762.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 692 | XXXXXX | XXXXXX | 8.92 | 10.12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.09 | 7.09 | Fully Amortized | 7.875 | XXXXXX | 8.92 | 10.12 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | A B | B A | A | Business Bank Statements - 12 months;<br> CPA Letter with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 976510 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 144 | 34083.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 694 | 696 | 753 | 13852.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 696 | XXXXXX | XXXXXX | 22.88 | 27.96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.52 | 10.52 | Qualifying Rate, Fully Amortized | 8.375 | XXXXXX | 22.88 | 27.96 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | CPA Letter with Income - 999 months;<br> DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 429556 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 280 | 19500.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 769 | 757 | 785 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 769 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 27.92 | 27.92 | Fully Amortized | 6.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 4 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 829174 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 161 | 14500.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 700 | 721 | 5618.69 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 731 | 760 | 699 | XXXXXX | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 13.38 | 23.48 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.72 | 6.72 | Fully Amortized | 8.250 | XXXXXX | 13.38 | 23.48 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months;<br> Personal Bank Statements - 2 months | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 696499 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 363 | 22600.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 770 | 776 | 772 | 3384.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 799 | 782 | XXXXXX | XXXXXX | XXXXXX | 772 | XXXXXX | XXXXXX | 24.6 | 38.61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 27.61 | 27.61 | Fully Amortized | 5.625 | XXXXXX | 24.6 | 38.61 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 12 months;<br> CPA Letter with Income - 24 months;<br> Personal Bank Statements - 4 months;<br> Written VOE - 54 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 602760 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 363 | 22600.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 770 | 776 | 772 | 3384.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 799 | 782 | XXXXXX | XXXXXX | XXXXXX | 772 | XXXXXX | XXXXXX | 25.78 | 39.79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 40.7 | 40.70 | Fully Amortized | 6.125 | XXXXXX | 25.78 | 39.79 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months;<br> Lease Agreement - 1 months;<br> Personal Bank Statements - 4 months;<br> Written VOE - 25 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 707550 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 252 | 16000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 771 | 755 | 257003.05 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 716 | 722 | 739 | XXXXXX | XXXXXX | XXXXXX | 722 | XXXXXX | XXXXXX | 2.24 | 9.1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 155.07 | 155.07 | Fully Amortized | 5.750 | XXXXXX | 2.24 | 9.1 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 16 months;<br> Personal Bank Statements - 10 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 695083 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 533 | 18892.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 795 | 771 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 788 | 764 | XXXXXX | XXXXXX | XXXXXX | 779 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 135.8 | 135.80 | Fully Amortized | 6.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 16 months;<br> Personal Bank Statements - 3 months | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 16 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 266120 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 202 | 7000.00 | 25 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 637 | 689 | 17479.49 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 706 | 709 | 672 | XXXXXX | XXXXXX | XXXXXX | 680 | XXXXXX | XXXXXX | 23.47 | 37.58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.37 | 6.37 | Fully Amortized | 7.500 | XXXXXX | 23.47 | 37.58 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 15 months;<br> CPA Letter without Income - 72 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 436076 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 237 | 20083.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 760 | 781 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 781 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 161.81 | 161.81 | Fully Amortized | 5.990 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 1 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 421753 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 121 | 9100.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 753 | 781 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 759 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 119.72 | 119.72 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 816883 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 52 | 5900.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 753 | 781 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 759 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 131.11 | 131.11 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 933334 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 255 | 28700.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 760 | 798 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 770 | 747 | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 76.42 | 76.42 | Fully Amortized | 6.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/rent schedule - 0 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 496380 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 205 | 22000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 811 | 804 | 704 | 51966.48 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 791 | 797 | 758 | XXXXXX | XXXXXX | XXXXXX | 791 | XXXXXX | XXXXXX | 12.06 | 27.8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 18.44 | 16.68 | Qualifying Rate, Fully Amortized | 7.000 | XXXXXX | 13.33 | 29.08 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | A B | B A | A | Business Bank Statements - 12 months;<br> CPA Letter with Income - 24 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 807457 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 80 | 8000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 683 | 661 | 711 | 12857.65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 683 | XXXXXX | XXXXXX | 14.72 | 25.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.95 | 9.95 | Fully Amortized | 5.625 | XXXXXX | 14.72 | 25.13 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 84 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 308142 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 61 | 8800.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 690 | 694 | 704 | 13768.81 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 694 | XXXXXX | XXXXXX | 13.84 | 34.99 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.53 | 11.53 | Fully Amortized | 7.990 | XXXXXX | 13.84 | 34.99 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 16 months;<br> Personal Bank Statements - 9 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 991483 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 138 | 37200.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 730 | 740 | 738 | 113246.51 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 711 | 727 | 724 | XXXXXX | XXXXXX | XXXXXX | 724 | XXXXXX | XXXXXX | 1.96 | 13.63 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.98 | 14.98 | Fully Amortized | 5.625 | XXXXXX | 1.96 | 13.63 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 895740 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 6 | No | Present | XXXXXX | 33 | 11500.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 778 | 787 | 3407.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 806 | 782 | XXXXXX | XXXXXX | XXXXXX | 778 | XXXXXX | XXXXXX | 44.47 | 49.26 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.33 | 12.32 | Qualifying Rate, Fully Amortized | 7.000 | XXXXXX | 44.5 | 49.3 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 2 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 12 months;<br> W2 - 24 months;<br> Written VOE - 36 months | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 956960 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 204 | 2500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 685 | 745 | 697 | 39982.60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 697 | XXXXXX | XXXXXX | 7.92 | 14.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 25.32 | 25.32 | Fully Amortized | 6.500 | XXXXXX | 7.92 | 14.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 12 months;<br> CPA Letter with Income - 240 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 991604 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 504 | 42472.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 699 | 726 | 704 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 704 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 89.08 | 89.08 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 200433 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 180 | 38699.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 655 | 633 | 657 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 655 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.7 | 8.41 | Qualifying Rate, Fully Amortized | 7.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | Business Bank Statements - 4 months;<br> CPA Letter with Income - 120 months;<br> DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 198144 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 168 | 5000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 676 | 670 | 674 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 674 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 57.26 | 57.26 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 6 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 300674 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 6 | No | Present | XXXXXX | 45 | 20000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 729 | 758 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 753 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 110.66 | 110.66 | Fully Amortized | 5.990 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 354419 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 23 | 16884.00 | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 672 | 672 | 702 | 2267.50 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 660 | 659 | 639 | XXXXXX | XXXXXX | XXXXXX | 659 | XXXXXX | XXXXXX | 31.02 | 39.2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.48 | 9.48 | Fully Amortized | 7.250 | XXXXXX | 31.02 | 39.2 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Award Letter - 12 months;<br> CPA Letter without Income - 60 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 828476 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 204 | 17807.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 707 | 741 | 9502.88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 741 | XXXXXX | XXXXXX | 30.82 | 40.02 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.88 | 8.88 | Fully Amortized | 6.250 | XXXXXX | 30.82 | 40.02 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 144 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 974236 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 216 | 9600.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 800 | 760 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 766 | 792 | XXXXXX | XXXXXX | XXXXXX | 760 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 47.03 | 47.03 | Fully Amortized | 6.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 662700 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 72 | 50000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 780 | 798 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 780 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 156.42 | 156.42 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 24 months;<br> Personal Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 840206 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 37 | 15000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 813 | 784 | 774 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 781 | 765 | XXXXXX | XXXXXX | XXXXXX | 781 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 102.06 | 102.06 | Fully Amortized | 5.990 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 256630 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 154 | 10000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 764 | 727 | 768 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 764 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 45.03 | 45.03 | Fully Amortized | 6.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 299499 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 141 | 20000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 693 | 635 | 667 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 667 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 38.34 | 38.34 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 653386 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 2 | 6750.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 798 | 785 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 785 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 114.22 | 114.22 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 414208 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 142 | 63305.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 705 | 704 | 705 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 705 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 112.5 | 112.50 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 996516 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 27 | 11500.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 652 | 705 | 702 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 702 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 27.84 | 27.84 | Fully Amortized | 6.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 563727 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 4 | 6000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 674 | 740 | 12411.84 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 707 | XXXXXX | XXXXXX | 32.38 | 42.9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.43 | 3.43 | Fully Amortized | 5.625 | XXXXXX | 32.38 | 42.9 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 498927 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 281 | 3200.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 629 | 649 | 649 | 9456.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 649 | XXXXXX | XXXXXX | 30.47 | 38.21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.82 | 30.82 | Fully Amortized | 6.125 | XXXXXX | 30.47 | 38.21 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 16 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 494695 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 60 | 27500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 771 | 776 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 771 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 107.65 | 107.65 | Fully Amortized | 6.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 15 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 961884 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 469 | 35000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 771 | 791 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | 766 | 762 | XXXXXX | XXXXXX | XXXXXX | 762 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 77.36 | 77.36 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 486345 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 84 | 7300.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 723 | 741 | 707 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 723 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 115.35 | 115.35 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 603180 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 146 | 11000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 737 | 732 | 730 | 26788.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 732 | XXXXXX | XXXXXX | 7.26 | 26.11 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20.77 | 20.00 | Qualifying Rate, Fully Amortized | 6.444 | XXXXXX | 7.26 | 26.49 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | CPA Letter without Income - 38 months;<br> Lease Agreement - 1 months;<br> P & L - 14 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 903698 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 207 | 6600.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 711 | 697 | 701 | 7543.66 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 701 | XXXXXX | XXXXXX | 41.74 | 45.03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.5 | 19.81 | Qualifying Rate, Fully Amortized | 6.537 | XXXXXX | 45.29 | 48.58 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | CPA Letter without Income - 72 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 594495 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 32 | 10800.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 713 | 728 | 743 | 9000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 728 | XXXXXX | XXXXXX | 32.65 | 41.57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.12 | 8.46 | Qualifying Rate, Fully Amortized | 6.610 | XXXXXX | 35.19 | 44.11 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | B A | B C A | B A | B | Written VOE - 26 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 250902 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 180 | 28740.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 702 | 695 | 709 | 7144.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 702 | XXXXXX | XXXXXX | 23.7 | 44.81 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.15 | 5.15 | Fully Amortized | 6.375 | XXXXXX | 23.7 | 44.81 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable D | A | A D | A | A | Lease Agreement - 12 months;<br> Personal Bank Statements - 10 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 158306 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 133 | 11000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 802 | 806 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 805 | 801 | 778 | XXXXXX | XXXXXX | XXXXXX | 801 | XXXXXX | XXXXXX | 23.4 | 40.69 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 139.83 | 130.66 | Fully Indexed, Fully Amortized | 6.375 | XXXXXX | 23.4 | 42.42 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable D C | A | A D C | A | A | Lease Agreement - 12 months;<br> P & L - 15 months | CPA Letter with Income - 186 months;<br> Verbal VOE with Income - 186 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 230253 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 79 | 11500.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 751 | 742 | 5000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 751 | XXXXXX | XXXXXX | 38.44 | 39.3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.31 | 9.64 | Qualifying Rate, Fully Amortized | 6.433 | XXXXXX | 41.14 | 42 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Personal Bank Statements - 1 months;<br> Written VOE - 50 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 348225 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 79 | 6000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 777 | 764 | 7360.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 777 | XXXXXX | XXXXXX | 24.99 | 33.3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 51.29 | 48.45 | Fully Indexed, Fully Amortized | 6.375 | XXXXXX | 26.45 | 34.77 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | C B A | B D C | C B A | B | Business Bank Statements - 2 months;<br> CPA Letter without Income - 24 months;<br> P & L - 15 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 296918 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 40 | 300.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 755 | 745 | 4228.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 755 | XXXXXX | XXXXXX | 39.52 | 39.52 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 123.21 | 123.21 | Fully Amortized | 6.375 | XXXXXX | 39.52 | 39.52 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | CPA Letter without Income - 216 months;<br> Lease Agreement - 12 months;<br> P & L - 15 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 387914 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 248 | 4000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 811 | 794 | 781 | 6321.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 794 | XXXXXX | XXXXXX | 28.4 | 42.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 72.35 | 72.35 | Fully Amortized | 6.375 | XXXXXX | 28.4 | 42.62 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | CPA Letter with Income - 24 months;<br> P & L - 15 months;<br> Verbal VOE with Income - 204 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 337635 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 27 | 17500.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 743 | 729 | 10484.47 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 735 | XXXXXX | XXXXXX | 27.19 | 38.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9 | 8.52 | Fully Indexed, Fully Amortized | 6.375 | XXXXXX | 28.74 | 39.91 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | CPA Letter without Income - 24 months;<br> P & L - 15 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 962819 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 72 | 17000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 693 | 737 | 47107.17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 737 | XXXXXX | XXXXXX | 0 | 20.08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 96.06 | 96.06 | Fully Amortized | 5.625 | XXXXXX | 0 | 20.08 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable C | A | A C | A B | A | CPA Letter without Income - 29 months;<br> Lease Agreement - 12 months;<br> P & L - 16 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 626472 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 142 | 17000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 693 | 737 | 46636.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 737 | XXXXXX | XXXXXX | 0 | 25.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 102.23 | 102.23 | Fully Amortized | 5.625 | XXXXXX | 0 | 25.36 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable D | A | A D C | A | A | CPA Letter without Income - 29 months;<br> Lease Agreement - 1 months;<br> P & L - 16 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 720277 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 282 | 40500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 684 | 702 | 697 | 12500.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 697 | XXXXXX | XXXXXX | 25.19 | 41.96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.41 | 12.98 | Fully Indexed, Fully Amortized | 6.375 | XXXXXX | 26.02 | 42.79 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | Personal Bank Statements - 2 months;<br> Written VOE - 42 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 879668 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 216 | 26783.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 727 | 660 | 23104.53 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 724 | XXXXXX | XXXXXX | 0 | 30.21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.81 | 5.89 | Qualifying Rate, Fully Amortized | 7.500 | XXXXXX | 0 | 38.83 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable D | A | A D | A | A | CPA Letter without Income - 24 months;<br> Lease Agreement - 12 months;<br> P & L - 15 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 354998 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 108 | 13000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 736 | 739 | 7124.59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 739 | XXXXXX | XXXXXX | 23.41 | 41.96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.11 | 16.11 | Fully Amortized | 6.375 | XXXXXX | 23.41 | 41.96 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable D | A | A D | A | A | Lease Agreement - 12 months;<br> Personal Bank Statements - 2 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 717500 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 72 | 21000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 759 | 730 | 19825.42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 769 | 724 | XXXXXX | XXXXXX | XXXXXX | 732 | XXXXXX | XXXXXX | 32.74 | 47.01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.27 | 9.18 | Fully Indexed, Fully Amortized | 6.375 | XXXXXX | 32.74 | 47.13 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | CPA Letter with Income - 24 months;<br> P & L - 15 months | Written VOE - 120 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 592410 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 63 | 40000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 734 | 759 | 17000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 734 | XXXXXX | XXXXXX | 40.45 | 42.64 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.67 | 10.00 | Fully Indexed, Fully Amortized | 6.375 | XXXXXX | 43.17 | 45.36 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D B A | B D A | D B A | B | Personal Bank Statements - 3 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 269397 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 132 | 30000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 809 | 772 | 11208.60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 795 | XXXXXX | XXXXXX | 39.39 | 41.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.23 | 12.40 | Fully Indexed, Fully Amortized | 6.375 | XXXXXX | 42.05 | 43.98 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Personal Bank Statements - 3 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 116330 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 441 | 33200.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 752 | 767 | 3836.72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 763 | XXXXXX | XXXXXX | 29.29 | 33.7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 5.875 | XXXXXX | 29.29 | 33.7 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Lease Agreement - 12 months;<br> P & L - 17 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 369666 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 45 | 4500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 730 | 721 | 5569.78 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 740 | 755 | 747 | XXXXXX | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 43.4 | 43.85 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Start Rate | 7.625 | XXXXXX | 43.4 | 43.85 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | B C A | C B A | B | Business Bank Statements - 24 months;<br> CPA Letter without Income - 36 months;<br> P & L - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 531320 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 170 | 10000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 666 | 641 | 642 | 11194.42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 675 | 684 | 681 | XXXXXX | XXXXXX | XXXXXX | 642 | XXXXXX | XXXXXX | 27.12 | 45.72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 5.375 | XXXXXX | 27.12 | 45.72 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 24 months;<br> CPA Letter with Income - 24 months;<br> P & L - 12 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 723024 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 77 | 100.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 593 | 546 | 480 | 7574.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 535 | 523 | 534 | XXXXXX | XXXXXX | XXXXXX | 546 | XXXXXX | XXXXXX | 25.04 | 37.26 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.27 | 1.27 | Fully Amortized | 8.625 | XXXXXX | 25.04 | 37.26 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | B A | B D C | B A | B | Paystub - 2 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 224385 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 125 | 1500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 705 | 687 | 58232.90 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 687 | XXXXXX | XXXXXX | 12.25 | 13.74 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.125 | XXXXXX | 12.25 | 13.74 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 24 months;<br> CPA Letter with Income - 132 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 354594 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 95 | 300.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 654 | 651 | 675 | 6211.50 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 654 | XXXXXX | XXXXXX | 40.28 | 40.81 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Start Rate | 7.000 | XXXXXX | 40.28 | 40.81 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 24 months;<br> P & L - 18 months;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 684405 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 171 | 4000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 657 | 724 | 8601.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 686 | XXXXXX | XXXXXX | 28.46 | 37.38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.15 | 30.15 | Fully Amortized | 7.375 | XXXXXX | 28.46 | 37.38 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 12 months;<br> P & L - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 335470 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 154 | 7000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 613 | 678 | 618 | 82496.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 618 | XXXXXX | XXXXXX | 1.92 | 8.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.91 | 9.91 | Start Rate | 8.490 | XXXXXX | 1.92 | 8.16 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 24 months;<br> CPA Letter without Income - 36 months;<br> P & L - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 991663 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 93 | 16500.00 | 22 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 649 | 643 | 656 | 29820.91 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 649 | XXXXXX | XXXXXX | 7.16 | 23.9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.68 | 0.68 | Fully Amortized | 6.750 | XXXXXX | 7.16 | 23.9 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 24 months;<br> Personal Bank Statements - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 990984 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 71 | 11500.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 638 | 693 | 676 | 6023.38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 676 | XXXXXX | XXXXXX | 31.69 | 39.26 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.11 | 2.11 | Fully Amortized | 7.749 | XXXXXX | 31.69 | 39.26 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> P & L - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 241761 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 163 | 3300.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 632 | 667 | 3982.34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 667 | XXXXXX | XXXXXX | 17.66 | 48.39 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.000 | XXXXXX | 17.66 | 48.39 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 24 months;<br> CPA Letter without Income - 28 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 739972 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 49 | 8500.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 609 | 576 | 631 | 14000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 609 | XXXXXX | XXXXXX | 36.37 | 41.06 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.69 | 2.32 | Fully Indexed, Fully Amortized | 7.625 | XXXXXX | 42.16 | 46.85 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 309916 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 480 | 35000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 760 | 733 | 15948.53 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 753 | XXXXXX | XXXXXX | 16.63 | 23.4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 57.33 | 57.33 | Fully Amortized | 5.125 | XXXXXX | 16.63 | 23.4 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 24 months;<br> CPA Letter without Income - 96 months;<br> P & L - 18 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 882065 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 371 | 150778.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 747 | 670 | 178520.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 752 | 753 | XXXXXX | XXXXXX | XXXXXX | 687 | XXXXXX | XXXXXX | 2.49 | 15.24 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.18 | 6.18 | Fully Amortized | 5.500 | XXXXXX | 2.49 | 15.24 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | Business Bank Statements - 24 months;<br> P & L - 18 months;<br> Personal Bank Statements - 25 months;<br> Verbal VOE with Income - 0 months | Personal Bank Statements - 25 months;<br> Verbal VOE with Income - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 102344 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 397 | 150778.00 | 28 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 747 | 670 | 179345.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 752 | 753 | XXXXXX | XXXXXX | XXXXXX | 687 | XXXXXX | XXXXXX | 3.16 | 26.14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.21 | 6.21 | Fully Amortized | 6.625 | XXXXXX | 3.16 | 26.14 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 24 months;<br> Personal Bank Statements - 24 months | Personal Bank Statements - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 729719 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 55 | 24538.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 727 | 665 | 657 | 11082.81 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 665 | XXXXXX | XXXXXX | 29.95 | 43.92 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.05 | 5.05 | Fully Amortized | 7.374 | XXXXXX | 29.95 | 43.92 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months;<br> P & L - 31 months;<br> Personal Bank Statements - 12 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 495625 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 39 | 30000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 667 | 731 | 8006.17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 731 | XXXXXX | XXXXXX | 30.69 | 36.37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.000 | XXXXXX | 30.69 | 36.37 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 24 months;<br> CPA Letter without Income - 252 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 375910 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 22 | 16994.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 745 | 721 | 5543.20 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 763 | 688 | XXXXXX | XXXXXX | XXXXXX | 745 | XXXXXX | XXXXXX | 37.05 | 42.97 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 5.375 | XXXXXX | 37.05 | 42.97 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 646163 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 21 | 10500.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | Not Applicable | 670 | 88345.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 670 | XXXXXX | XXXXXX | 5.56 | 5.59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 40.92 | 37.50 | Fully Indexed, Fully Amortized | 5.625 | XXXXXX | 6.07 | 6.09 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 523056 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 34 | 560.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 639 | 645 | Not Applicable | 5463.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 639 | XXXXXX | XXXXXX | 23.37 | 23.68 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 47.07 | 47.07 | Fully Amortized | 6.625 | XXXXXX | 23.37 | 23.68 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 874526 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 47 | 7250.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 703 | 714 | 9627.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 714 | XXXXXX | XXXXXX | 27.86 | 34.88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.16 | 2.72 | Fully Amortized | 5.874 | XXXXXX | 32.35 | 39.38 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 96 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 246223 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 38 | 3000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 658 | 632 | 668 | 10883.60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 658 | XXXXXX | XXXXXX | 41.89 | 54.95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | XXXXXX | 41.89 | 54.95 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 942716 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 268 | 43400.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 731 | 697 | 734 | 11251.76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 731 | XXXXXX | XXXXXX | 32.57 | 45.64 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.36 | 21.36 | Fully Amortized | 3.750 | XXXXXX | 32.57 | 45.64 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 501284 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 43 | 29233.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 789 | 790 | 5544.50 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 714 | 730 | XXXXXX | XXXXXX | XXXXXX | 730 | XXXXXX | XXXXXX | 33.34 | 42.04 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.1 | 1.10 | Fully Amortized | 3.750 | XXXXXX | 33.34 | 42.04 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 408572 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 150 | 16561.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 737 | 742 | 13422.45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 808 | 803 | 818 | XXXXXX | XXXXXX | XXXXXX | 742 | XXXXXX | XXXXXX | 23.21 | 28.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 162.58 | 162.58 | Fully Amortized | 3.750 | XXXXXX | 23.21 | 28.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 30 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 274984 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 28 | 205056.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 809 | 795 | 803 | 85000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 774 | 723 | XXXXXX | XXXXXX | XXXXXX | 767 | XXXXXX | XXXXXX | 5.37 | 8.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 100.07 | 100.07 | Fully Amortized | 3.500 | XXXXXX | 5.37 | 8.25 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 769249 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 64 | 29000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 779 | 770 | 14748.79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 770 | XXXXXX | XXXXXX | 27.64 | 35.17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 3.375 | XXXXXX | 27.64 | 35.17 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 496167 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 198 | 21485.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 582 | 633 | 623 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 538 | 620 | 624 | XXXXXX | XXXXXX | XXXXXX | 620 | XXXXXX | XXXXXX | 14.33 | 37.91 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.5 | 11.50 | Fully Amortized | 7.375 | XXXXXX | 14.33 | 37.91 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 24 months;<br> Paystub - 4 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 743944 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 269 | 14000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 675 | 712 | 704 | 8064.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 704 | XXXXXX | XXXXXX | 34.72 | 43.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 37.7 | 37.70 | Fully Amortized | 3.875 | XXXXXX | 34.72 | 43.16 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 280513 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 320 | 24000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 808 | 811 | 796 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 808 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.12 | 0.12 | Fully Amortized | 3.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 269087 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 167 | 17800.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 677 | 781 | 789 | 7328.68 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 781 | XXXXXX | XXXXXX | 29.1 | 41.52 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.05 | 5.05 | Fully Amortized | 3.125 | XXXXXX | 29.1 | 41.52 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 486795 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 169 | 17400.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 747 | 771 | XXXXXX | XXXXXX | XXXXXX | 747 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | -28.06 | '-28.06 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A B | A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 734258 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 505 | 24752.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 778 | 751 | 23794.12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 771 | XXXXXX | XXXXXX | 1.54 | 23.45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.87 | 7.87 | Fully Amortized | 6.875 | XXXXXX | 1.54 | 23.45 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 309941 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 411 | 27600.00 | 25 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 662 | 660 | 597 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 660 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 66.49 | 66.49 | Fully Amortized | 7.499 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 437419 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 224 | 28400.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 789 | 798 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 794 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 72.62 | 72.62 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 684003 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 131 | 8000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 788 | 783 | 768 | 4244.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 783 | XXXXXX | XXXXXX | 3.53 | 41.86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.01 | 18.52 | Qualifying Rate, Fully Amortized | 10.000 | XXXXXX | 3.53 | 46.71 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable D | A | A D | A | A | Business Bank Statements - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 634195 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 470 | 10000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 813 | 798 | 35093.61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 797 | 787 | XXXXXX | XXXXXX | XXXXXX | 787 | XXXXXX | XXXXXX | 17.02 | 29.02 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 48.6 | 48.60 | Fully Amortized | 7.375 | XXXXXX | 17.02 | 29.02 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 593271 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 20900.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 692 | 706 | 653 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 692 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.15 | 30.15 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 801555 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.1 | 4.77 | Fully Indexed, Fully Amortized | 4.375 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 830414 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 202 | 110000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 780 | 759 | 39125.11 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 759 | XXXXXX | XXXXXX | 19.59 | 19.65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.63 | 4.63 | Fully Amortized | 3.375 | XXXXXX | 19.59 | 19.65 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 314764 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 502 | 63654.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 740 | 755 | 757 | 22060.37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 789 | 790 | 788 | XXXXXX | XXXXXX | XXXXXX | 755 | XXXXXX | XXXXXX | 22.13 | 39.95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 3.375 | XXXXXX | 22.13 | 39.95 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | Award Letter - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 526871 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 44 | 18000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 727 | 734 | 788 | 11854.10 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 734 | XXXXXX | XXXXXX | 19.37 | 25.5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.9 | 1.90 | Fully Amortized | 3.750 | XXXXXX | 19.37 | 25.5 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A B | A D | A B | A | CPA Letter without Income - 84 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 949427 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 230 | 20200.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 709 | 682 | 3202.73 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 709 | XXXXXX | XXXXXX | 40.54 | 40.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 3.999 | XXXXXX | 40.54 | 40.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 15 months;<br> CPA Letter without Income - 240 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 252275 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 211 | 40000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 808 | 797 | 117063.40 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 790 | 786 | XXXXXX | XXXXXX | XXXXXX | 797 | XXXXXX | XXXXXX | 7.25 | 11.95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 58.03 | 58.03 | Fully Amortized | 3.875 | XXXXXX | 7.25 | 11.95 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A B | A C | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 109 months;<br> P & L - 12 months | Paystub - 4 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 883364 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 635 | 34500.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 826 | 745 | 28210.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 757 | 693 | XXXXXX | XXXXXX | XXXXXX | 754 | XXXXXX | XXXXXX | 45.42 | 48.64 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 3.875 | XXXXXX | 45.42 | 48.64 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D B A | A D | D B A | A | Award Letter - 1 months;<br> Paystub - 3 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months | Award Letter - 1 months;<br> Business Bank Statements - 13 months;<br> CPA Letter without Income - 60 months;<br> Personal Bank Statements - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 674969 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 170 | 6500.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 721 | 737 | 747 | 9296.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 737 | XXXXXX | XXXXXX | 48.53 | 48.53 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.69 | 7.69 | Fully Amortized | 3.750 | XXXXXX | 48.53 | 48.53 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | CPA Letter without Income - 216 months;<br> Personal Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 323599 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Abstract of Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 88 | 35998.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 663 | 650 | 699 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 663 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.17 | 13.17 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | B A | B A | B A | B | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 668105 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | Yes | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 512 | 13654.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 738 | 746 | 5359.15 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 738 | XXXXXX | XXXXXX | 38 | 45.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.14 | 0.14 | Fully Amortized | 3.750 | XXXXXX | 38 | 45.75 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 15 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 604922 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 27 | 13500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 801 | 781 | 795 | 13096.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 715 | 731 | XXXXXX | XXXXXX | XXXXXX | 795 | XXXXXX | XXXXXX | 13.4 | 36.26 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 66.76 | 66.76 | Fully Amortized | 3.625 | XXXXXX | 13.4 | 36.26 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 664248 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 141 | 33977.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 689 | 713 | 9166.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 714 | 759 | XXXXXX | XXXXXX | XXXXXX | 713 | XXXXXX | XXXXXX | 24.9 | 30.37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 28.82 | 28.82 | Fully Amortized | 3.999 | XXXXXX | 24.9 | 30.37 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 851524 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 75 | 2000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 697 | 702 | 646 | 6430.53 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 697 | XXXXXX | XXXXXX | 22.76 | 37.47 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.4 | 17.40 | Fully Amortized | 3.999 | XXXXXX | 22.76 | 37.47 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 976476 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 227 | 112114.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 816 | 805 | 809 | 8902.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 816 | 774 | 813 | XXXXXX | XXXXXX | XXXXXX | 809 | XXXXXX | XXXXXX | 16.29 | 31.56 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.66 | 7.66 | Fully Amortized | 3.625 | XXXXXX | 16.29 | 31.56 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Personal Bank Statements - 5 months | Personal Bank Statements - 5 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 988453 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 100 | 30000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 777 | 755 | 316109.05 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 697 | 669 | XXXXXX | XXXXXX | XXXXXX | 762 | XXXXXX | XXXXXX | 0.9 | 1.31 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.22 | 1.22 | Fully Amortized | 3.500 | XXXXXX | 0.9 | 1.31 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | Business Bank Statements - 13 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 556293 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 54 | 6850.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 733 | 737 | 7581.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 736 | XXXXXX | XXXXXX | 29.64 | 43.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 3.750 | XXXXXX | 29.64 | 43.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | A C | C B A | A | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 998593 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 199 | 40946.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 782 | 786 | 22385.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 697 | 788 | 713 | XXXXXX | XXXXXX | XXXXXX | 786 | XXXXXX | XXXXXX | 12.24 | 31.11 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 43.4 | 43.40 | Fully Amortized | 3.375 | XXXXXX | 12.24 | 31.11 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 889122 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 270 | 62027.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 647 | 649 | 682 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 649 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 34.34 | 34.34 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 139301 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 470 | 33350.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 776 | 771 | 790 | 20878.27 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 776 | XXXXXX | XXXXXX | 33.79 | 38.47 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 3.375 | XXXXXX | 33.79 | 38.47 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A B | A D | A B | A | Business Bank Statements - 14 months;<br> CPA Letter without Income - 468 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 436946 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 232 | 27000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 713 | 736 | 695 | 15893.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 770 | 784 | XXXXXX | XXXXXX | XXXXXX | 713 | XXXXXX | XXXXXX | 10.13 | 27.45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 148.08 | 148.08 | Fully Amortized | 3.999 | XXXXXX | 10.13 | 27.45 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 14 months;<br> CPA Letter without Income - 168 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 265497 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 449 | 32071.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 818 | 837 | 812 | 19775.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 818 | XXXXXX | XXXXXX | 28.06 | 31.09 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.64 | 6.64 | Fully Amortized | 3.625 | XXXXXX | 28.06 | 31.09 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 693663 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 152 | 30000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 721 | 754 | 59378.70 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 754 | XXXXXX | XXXXXX | 10.87 | 12.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.08 | 4.08 | Fully Amortized | 3.999 | XXXXXX | 10.87 | 12.67 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 704511 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 245 | 15000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 748 | 770 | 11979.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 770 | XXXXXX | XXXXXX | 14.13 | 35.02 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 55.82 | 55.82 | Fully Amortized | 3.625 | XXXXXX | 14.13 | 35.02 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | D B A | B D A | D B A | B | Personal Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 907487 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 55 | 0.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 662 | Not Applicable | 717 | 9585.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 662 | XXXXXX | XXXXXX | 14.68 | 25.6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.32 | 8.32 | Fully Amortized | 6.750 | XXXXXX | 14.68 | 25.6 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | D B A | A D B | D B A | A | Paystub - 2 months;<br> Written VOE - 96 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 568435 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 72 | 12500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 768 | 757 | 9000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 742 | 718 | XXXXXX | XXXXXX | XXXXXX | 762 | XXXXXX | XXXXXX | 34.25 | 37.5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.42 | 7.42 | Fully Amortized | 3.625 | XXXXXX | 34.25 | 37.5 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | D B A | A D B | D B A | A | CPA Letter without Income - 31 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 900096 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 173 | 14500.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 766 | 765 | 6044.27 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 765 | XXXXXX | XXXXXX | 16.58 | 35.92 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.52 | 2.52 | Fully Amortized | 3.750 | XXXXXX | 16.58 | 35.92 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | CPA Letter without Income - 168 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 408252 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 443 | 22000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 745 | 738 | 31464.72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 738 | XXXXXX | XXXXXX | 20.89 | 23.2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.09 | 3.09 | Fully Amortized | 3.500 | XXXXXX | 20.89 | 23.2 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C B A | B D A | C B A | B | Business Bank Statements - 16 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 913673 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 31 | 15013.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | Not Applicable | 674 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 674 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 104.79 | 104.79 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 552463 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 32 | 1600.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | Not Applicable | 674 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 674 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.14 | 11.14 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 455190 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 103 | 7500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 761 | 818 | 755 | 2231.87 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 745 | 719 | XXXXXX | XXXXXX | XXXXXX | 761 | XXXXXX | XXXXXX | 43.35 | 46.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.42 | 6.42 | Fully Amortized | 3.999 | XXXXXX | 43.35 | 46.36 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 643247 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 186 | 15860.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 811 | 812 | 803 | 3778.49 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 812 | 815 | 819 | XXXXXX | XXXXXX | XXXXXX | 811 | XXXXXX | XXXXXX | 20.76 | 23.63 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.29 | 16.29 | Fully Amortized | 3.500 | XXXXXX | 20.76 | 23.63 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Personal Bank Statements - 13 months | Personal Bank Statements - 13 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 415322 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 227 | 14500.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 756 | 746 | 760 | 8692.48 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 756 | XXXXXX | XXXXXX | 16.38 | 41.19 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 48.54 | 48.54 | Fully Amortized | 3.375 | XXXXXX | 16.38 | 41.19 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 879421 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 80 | 42174.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 745 | 752 | 738 | 30000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 745 | XXXXXX | XXXXXX | 21.28 | 24.8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 3.375 | XXXXXX | 21.28 | 24.8 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 13 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 167715 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 125 | 35000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 620 | 610 | 609 | 61615.14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 610 | XXXXXX | XXXXXX | 12.54 | 19.86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 67.78 | 67.78 | Fully Amortized | 6.875 | XXXXXX | 12.54 | 19.86 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 409499 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 284 | 37000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 779 | 784 | 13895.86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 779 | XXXXXX | XXXXXX | 10.66 | 14.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 366.09 | 366.09 | Fully Amortized | 3.625 | XXXXXX | 10.66 | 14.67 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 315676 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 182 | 10354.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 811 | 779 | 8230.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 809 | 787 | 794 | XXXXXX | XXXXXX | XXXXXX | 803 | XXXXXX | XXXXXX | 24.54 | 33.26 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.01 | 0.01 | Fully Amortized | 3.625 | XXXXXX | 24.54 | 33.26 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 144 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 845743 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 73 | 500.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 596 | 613 | 560 | 7680.66 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 596 | XXXXXX | XXXXXX | 31.48 | 31.81 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 42.78 | 42.78 | Fully Amortized | 7.375 | XXXXXX | 31.48 | 31.81 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | A C B | C B A | A | Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 688495 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 65 | 7200.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 689 | 672 | 2902.59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 689 | XXXXXX | XXXXXX | 46.95 | 49.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.3 | 3.30 | Fully Amortized | 3.999 | XXXXXX | 46.95 | 49.67 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 796266 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 6 | No | Present | XXXXXX | 31 | 3500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 719 | 746 | 58081.14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 735 | XXXXXX | XXXXXX | 5.12 | 7.21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 176.58 | 176.58 | Fully Amortized | 3.999 | XXXXXX | 5.12 | 7.21 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 850310 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 221 | 36372.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 816 | 791 | 180145.09 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 816 | 796 | XXXXXX | XXXXXX | XXXXXX | 806 | XXXXXX | XXXXXX | 3.17 | 4.9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 31.63 | 31.63 | Fully Amortized | 3.625 | XXXXXX | 3.17 | 4.9 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 326308 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 52 | 13000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 772 | 786 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 786 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.75 | 2.75 | Fully Amortized | 3.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 703163 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 214 | 110940.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 763 | 760 | 39921.45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 756 | 744 | XXXXXX | XXXXXX | XXXXXX | 763 | XXXXXX | XXXXXX | 37.22 | 38.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.86 | 4.86 | Fully Amortized | 3.750 | XXXXXX | 37.22 | 38.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 668742 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 58 | 11900.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 787 | 768 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 782 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 3.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 110321 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 331 | 46937.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 694 | 697 | 729 | 50000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 671 | 685 | 706 | XXXXXX | XXXXXX | XXXXXX | 697 | XXXXXX | XXXXXX | 16.8 | 33.34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 138.17 | 138.17 | Fully Amortized | 3.875 | XXXXXX | 16.8 | 33.34 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 162104 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 59 | 6000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 750 | 775 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 750 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 24.32 | 24.32 | Fully Amortized | 3.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 324779 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 278 | 30000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 800 | 781 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 795 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 26.72 | 26.72 | Fully Amortized | 3.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 845833 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 278 | 30000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 800 | 781 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 795 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 54.93 | 54.93 | Fully Amortized | 3.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 341437 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 206 | 6000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 751 | 708 | 698 | 39292.69 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 708 | XXXXXX | XXXXXX | 21.74 | 22.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 168.15 | 168.15 | Fully Amortized | 3.999 | XXXXXX | 21.74 | 22.32 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 169434 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 95 | 7500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 804 | 779 | XXXXXX | XXXXXX | XXXXXX | 802 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.02 | 0.02 | Fully Amortized | 3.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 781716 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 64 | 16000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 737 | 727 | 722 | 3293.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 727 | XXXXXX | XXXXXX | 37.18 | 37.94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.26 | 6.26 | Fully Amortized | 3.750 | XXXXXX | 37.18 | 37.94 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | B A | B D | B A | B | Paystub - 10 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 835059 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 121 | 56758.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 737 | 713 | 718 | XXXXXX | XXXXXX | XXXXXX | 718 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.91 | 3.91 | Fully Amortized | 3.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 988982 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 7 | No | Present | XXXXXX | 77 | 14513.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 753 | 771 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 771 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 215.13 | 215.13 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | A B | A D C | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 826503 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 76 | 18300.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 767 | 772 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 767 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 111.39 | 111.39 | Fully Amortized | 3.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 806140 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 142 | 20677.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 732 | 746 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 735 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.45 | 17.45 | Fully Amortized | 3.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A B | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 776896 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 191 | 55000.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 773 | 737 | 25036.37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 785 | 798 | XXXXXX | XXXXXX | XXXXXX | 773 | XXXXXX | XXXXXX | 13.93 | 23.06 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 152.45 | 152.45 | Fully Amortized | 3.875 | XXXXXX | 13.93 | 23.06 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 328620 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 125 | 29200.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 762 | 784 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 784 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 75.26 | 75.26 | Fully Amortized | 3.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 778346 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 222 | 32000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 762 | 784 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 784 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 59.68 | 59.68 | Fully Amortized | 3.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 911507 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 37 | 3000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 793 | 792 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 772 | 782 | XXXXXX | XXXXXX | XXXXXX | 777 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 86.33 | 86.33 | Fully Amortized | 3.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 501492 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 124 | 7000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 784 | 788 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 777 | 783 | XXXXXX | XXXXXX | XXXXXX | 777 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 118.74 | 488.28 | Fully Indexed, Fully Amortized | (No Data) | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 387248 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 112 | 36838.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 696 | 678 | 692 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 692 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 634252 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 39 | 5000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 739 | 729 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 729 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.67 | 11.67 | Fully Amortized | 3.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C B | A B | A C B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 284545 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 32.77 | 32.77 | Fully Amortized | 7.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 121148 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.23 | 16.23 | Start Rate | 4.000 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 240964 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 78 | 7500.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 672 | 672 | 694 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 745 | 734 | XXXXXX | XXXXXX | XXXXXX | 672 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 109.74 | 109.74 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 953734 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 108 | 13420.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 654 | 682 | 693 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 682 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.64 | 0.64 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 730984 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.84 | 7.84 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 836492 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 172 | 15500.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 669 | 595 | 670 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 669 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.6 | 11.60 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 258503 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 68.37 | 68.37 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 442916 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 82 | 5337.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 649 | 655 | 679 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 705 | 685 | 654 | XXXXXX | XXXXXX | XXXXXX | 655 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 39.1 | 39.10 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | D A | A D | D A | A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 952700 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 82 | 5337.00 | 22 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 649 | 655 | 679 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 705 | 685 | 654 | XXXXXX | XXXXXX | XXXXXX | 655 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 101.55 | 101.55 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 537597 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 48 | 5000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 672 | 673 | 673 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 672 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 113.1 | 113.09 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 232399 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 6 | 173.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 748 | 714 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 747 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 113.05 | 113.05 | Fully Amortized | 6.624 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 816460 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.91 | 1.91 | Fully Amortized | 7.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 147689 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 37 | 3482.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 633 | 639 | 635 | XXXXXX | XXXXXX | XXXXXX | 635 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.03 | 17.03 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 775360 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 99 | 25000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 713 | 788 | 712 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 713 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 889722 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 455 | 18000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 740 | 750 | 2607.01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 766 | 755 | XXXXXX | XXXXXX | XXXXXX | 750 | XXXXXX | XXXXXX | 46.24 | 47.06 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.57 | 10.57 | Fully Amortized | 3.625 | XXXXXX | 46.24 | 47.06 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | A C B | C B A | A | Award Letter - 1 months | Award Letter - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 344488 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.000 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 255340 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 166 | 18500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 793 | 787 | 13009.61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 787 | XXXXXX | XXXXXX | 16.33 | 21.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 35.94 | 35.93 | Fully Amortized | 3.875 | XXXXXX | 16.33 | 21.75 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 14 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 892075 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 247 | 26700.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 802 | 797 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 673 | 712 | 693 | XXXXXX | XXXXXX | XXXXXX | 802 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 195.52 | 195.52 | Fully Amortized | 4.000 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Personal Bank Statements - 2 months | Personal Bank Statements - 2 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 469650 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 329 | 14000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 806 | 822 | 8108.90 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 806 | XXXXXX | XXXXXX | 37.32 | 37.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.88 | 3.88 | Fully Amortized | 7.125 | XXXXXX | 37.32 | 37.32 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 16 months;<br> CPA Letter without Income - 192 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 700334 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 45.12 | 45.12 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | A B | A D B | A B | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 393147 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 175 | 120000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 701 | 651 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 686 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 99.63 | 99.63 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 697818 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 269 | 10600.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 642 | 620 | 666 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 642 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 62.25 | 62.25 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 455448 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 170 | 17000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 780 | 777 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 780 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.72 | 0.72 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 376289 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 184 | 7500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 764 | 734 | 710 | 4333.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 734 | XXXXXX | XXXXXX | 44.65 | 46.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.46 | 6.46 | Fully Amortized | 7.125 | XXXXXX | 44.65 | 46.33 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Paystub - 3 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 959166 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 123 | 3658.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 601 | 617 | 643 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 617 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.14 | 14.14 | Fully Amortized | 8.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 459343 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | Yes | Present | XXXXXX | 37 | 7400.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 713 | 734 | 709 | 203315.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 713 | XXXXXX | XXXXXX | 2.91 | 4.56 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.78 | 6.78 | Fully Amortized | 6.625 | XXXXXX | 2.91 | 4.56 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 439984 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 152 | 10092.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 718 | 752 | 692 | XXXXXX | XXXXXX | XXXXXX | 718 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 87.01 | 87.01 | Fully Amortized | 7.499 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A B | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 483806 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.36 | 29.36 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 808239 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 44.79 | 44.79 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 363061 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 196 | 34812.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 568 | 610 | 628 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 610 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A B | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 977280 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 82 | 27261.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 741 | 741 | 13724.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 741 | XXXXXX | XXXXXX | 20.69 | 41.57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.19 | 14.19 | Fully Amortized | 6.750 | XXXXXX | 20.69 | 41.57 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A B | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 792696 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 170.02 | 170.02 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 527597 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 200.24 | 200.24 | Fully Amortized | 7.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 209682 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 32 | 777.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 691 | 672 | 666 | 4290.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 665 | 656 | 686 | XXXXXX | XXXXXX | XXXXXX | 665 | XXXXXX | XXXXXX | 32.99 | 42.9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.9 | 6.90 | Fully Amortized | 7.375 | XXXXXX | 32.99 | 42.9 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 2 months | Business Bank Statements - 15 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 738700 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 52 | 0.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 606 | 634 | 566 | 178356.86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 651 | 648 | 655 | XXXXXX | XXXXXX | XXXXXX | 606 | XXXXXX | XXXXXX | 3.6 | 6.28 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.07 | 8.07 | Fully Amortized | 9.625 | XXXXXX | 3.6 | 6.28 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 14 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 14 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 736198 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 108 | 2400.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 648 | 663 | 682 | 8227.06 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 663 | XXXXXX | XXXXXX | 42.46 | 43.08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.73 | 0.68 | Fully Amortized | 6.625 | XXXXXX | 45.24 | 45.86 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 69 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 383852 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 97 | 10053.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 689 | 683 | 680 | XXXXXX | XXXXXX | XXXXXX | 683 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 25.08 | 25.08 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | A B | A D B | A B | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 923908 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 40 | 85157.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 739 | 726 | 49372.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 689 | Not Applicable | XXXXXX | XXXXXX | XXXXXX | 735 | XXXXXX | XXXXXX | 13.49 | 23.53 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.06 | 5.06 | Fully Amortized | 6.750 | XXXXXX | 13.49 | 23.53 | Alt Doc/Bank Statements | Yes | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 917325 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 40.09 | 40.09 | Fully Amortized | 7.499 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | A B | A D B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 683950 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 90.88 | 90.88 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 819459 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 74 | 11500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 744 | 754 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 744 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 39.9 | 39.90 | Fully Amortized | 7.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 591368 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 427 | 21735.00 | 28 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 696 | 704 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 700 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 61.14 | 61.14 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 225350 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 295 | 17367.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 766 | 746 | 4750.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 39.4 | 46.12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.34 | 10.34 | Fully Amortized | 7.438 | XXXXXX | 39.4 | 46.12 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Award Letter - 1 months;<br> Business Bank Statements - 15 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 850615 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Title Report | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 106 | 10000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 699 | 700 | 700 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 700 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.17 | 3.17 | Fully Amortized | 8.125 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 644124 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 39 | 90317.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 744 | 700 | 20814.01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 714 | XXXXXX | XXXXXX | 7.86 | 46.94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.49 | 13.49 | Fully Amortized | 7.125 | XXXXXX | 7.86 | 46.94 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A B | A | Award Letter - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 925607 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 148 | 30885.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 691 | 707 | 723 | 7535.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 737 | 775 | 728 | XXXXXX | XXXXXX | XXXXXX | 707 | XXXXXX | XXXXXX | 25.57 | 37.49 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.52 | 10.52 | Fully Amortized | 7.125 | XXXXXX | 25.57 | 37.49 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 310838 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 15 | 500.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 643 | 716 | 42986.74 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 716 | XXXXXX | XXXXXX | 5.27 | 7.02 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.74 | 5.74 | Fully Amortized | 7.875 | XXXXXX | 5.27 | 7.02 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 164069 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 145 | 9000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 760 | 758 | 10136.64 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 760 | XXXXXX | XXXXXX | 19.57 | 20.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.17 | 29.17 | Fully Amortized | 7.750 | XXXXXX | 19.57 | 20.36 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 13 months;<br> CPA Letter without Income - 132 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 150433 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 149 | 20300.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 710 | 731 | 719 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 719 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.18 | 0.18 | Fully Amortized | 8.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 873604 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 41 | 4600.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 642 | 654 | 617 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 717 | 734 | XXXXXX | XXXXXX | XXXXXX | 642 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 86.7 | 86.70 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 414916 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 132 | 11000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 673 | 678 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 719 | 726 | XXXXXX | XXXXXX | XXXXXX | 674 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.53 | 3.53 | Fully Amortized | 7.874 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 821040 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.42 | 29.42 | Fully Amortized | 7.124 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 840578 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 138 | 5000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 651 | 680 | 656 | 7649.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 656 | XXXXXX | XXXXXX | 30.14 | 37.29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.21 | 3.21 | Fully Amortized | 8.000 | XXXXXX | 30.14 | 37.29 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Award Letter - 24 months;<br> CPA Letter without Income - 24 months;<br> Personal Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 161347 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 336 | 20200.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 766 | 770 | 35293.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 766 | XXXXXX | XXXXXX | 6.97 | 19.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 18.38 | 18.38 | Fully Amortized | 7.750 | XXXXXX | 6.97 | 19.41 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 213872 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.59 | 2.59 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 692001 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 164 | 16000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 792 | 791 | 800 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 792 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 131.43 | 131.43 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 935223 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 60 | 40721.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 654 | 646 | 40601.44 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 654 | XXXXXX | XXXXXX | 4.71 | 7.72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.1 | 6.10 | Fully Amortized | 7.250 | XXXXXX | 4.71 | 7.72 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 850237 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 94.28 | 94.28 | Fully Amortized | 8.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 597429 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 98 | 20000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 744 | 753 | 751 | 6138.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 751 | XXXXXX | XXXXXX | 22.4 | 31.7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 33.19 | 33.19 | Fully Amortized | 7.125 | XXXXXX | 22.4 | 31.7 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 6 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 637689 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 189 | 11350.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 651 | 651 | 661 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 662 | 622 | XXXXXX | XXXXXX | XXXXXX | 651 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 100.13 | 100.13 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 863479 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 64 | 16900.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 765 | 770 | 125000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 765 | XXXXXX | XXXXXX | 10.68 | 11.68 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.91 | 6.91 | Fully Amortized | 6.625 | XXXXXX | 10.68 | 11.68 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 13 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 160140 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 20 | 3000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 710 | 738 | 742 | 3222.47 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 790 | 788 | XXXXXX | XXXXXX | XXXXXX | 738 | XXXXXX | XXXXXX | 42.93 | 44.19 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.8 | 10.80 | Fully Amortized | 6.625 | XXXXXX | 42.93 | 44.19 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 12 months | Paystub - 1 months;<br> W2 - 36 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 345257 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 175 | 21800.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 756 | 743 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 756 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.87 | 11.87 | Fully Amortized | 6.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 733821 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 56 | 1763.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 702 | 714 | 687 | 15705.31 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 702 | XXXXXX | XXXXXX | 38.61 | 42.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.27 | 14.27 | Fully Amortized | 7.250 | XXXXXX | 38.61 | 42.25 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 310482 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.86 | 21.86 | Fully Amortized | 8.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 774977 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 77 | 6000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 621 | 630 | 633 | 13549.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 630 | XXXXXX | XXXXXX | 20.18 | 45.21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 24.73 | 24.73 | Fully Amortized | 9.125 | XXXXXX | 20.18 | 45.21 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 736519 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 168 | 10000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 727 | 786 | 780 | 8145.60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 780 | XXXXXX | XXXXXX | 48.84 | 49.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.03 | 5.03 | Fully Amortized | 7.500 | XXXXXX | 48.84 | 49.23 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | A B | A D B | A B | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 168095 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 70 | 13400.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 773 | 769 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 773 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.04 | 1.04 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 608315 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 47 | 9000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 801 | 802 | 10585.05 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 801 | XXXXXX | XXXXXX | 27.04 | 40.46 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.47 | 5.47 | Fully Amortized | 7.500 | XXXXXX | 27.04 | 40.46 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | A B | A D B | A B | A | CPA Letter with Income - 72 months;<br> Personal Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 233627 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 80 | 71783.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 673 | 664 | 11262.29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 673 | XXXXXX | XXXXXX | 24.32 | 47.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.625 | XXXXXX | 24.32 | 47.75 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 14 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 315817 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.41 | 13.41 | Fully Amortized | 9.000 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 101937 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 78 | 2234.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 670 | 671 | 690 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 671 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 52.6 | 52.60 | Fully Amortized | 8.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 541901 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 198 | 45797.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 787 | 791 | 7591.29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 671 | 747 | XXXXXX | XXXXXX | XXXXXX | 747 | XXXXXX | XXXXXX | 16.55 | 34.77 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.62 | 10.62 | Fully Amortized | 6.999 | XXXXXX | 16.55 | 34.77 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 13 months;<br> CPA Letter without Income - 60 months | Business Bank Statements - 13 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 360065 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 49 | 5650.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 683 | 678 | 654 | 9112.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 673 | 698 | 680 | XXXXXX | XXXXXX | XXXXXX | 678 | XXXXXX | XXXXXX | 29.35 | 37.31 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 50.24 | 50.24 | Fully Amortized | 6.999 | XXXXXX | 29.35 | 37.31 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Paystub - 2 months;<br> W2 - 24 months | Award Letter - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 283993 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 126 | 9060.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 786 | 814 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 795 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.05 | 6.05 | Fully Amortized | 8.000 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 439841 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.52 | 6.52 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 508248 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 7 | No | Present | XXXXXX | 73 | 16000.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 692 | 698 | 684 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 692 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | A B | A D B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 905880 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 7 | No | Present | XXXXXX | 73 | 16000.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 692 | 698 | 684 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 692 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | A B | A D B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 965809 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 117 | 30800.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 805 | 782 | 801 | XXXXXX | XXXXXX | XXXXXX | 801 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 82 | 82.00 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 571812 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 79 | 11184.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 670 | 671 | 690 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 671 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 34.79 | 34.79 | Fully Amortized | 7.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 576051 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 177 | 1500.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 752 | 708 | 731 | 58549.05 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 726 | 710 | XXXXXX | XXXXXX | XXXXXX | 731 | XXXXXX | XXXXXX | 7.81 | 17.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 28.04 | 28.04 | Fully Amortized | 6.875 | XXXXXX | 7.81 | 17.32 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 14 months;<br> CPA Letter without Income - 36 months | Business Bank Statements - 14 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 320474 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 253 | 19500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 762 | 752 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 752 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 160.71 | 160.71 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 271402 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 201 | 15000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 711 | 650 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 687 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 45.14 | 45.14 | Fully Amortized | 6.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 360106 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 59 | 15900.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 694 | 738 | 786 | 6994.27 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 738 | XXXXXX | XXXXXX | 43 | 52.2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.59 | 3.59 | Fully Amortized | 6.875 | XXXXXX | 43 | 52.2 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Written VOE - 28 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 293621 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 252 | 7845.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 767 | 691 | 4853.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 701 | 708 | 693 | XXXXXX | XXXXXX | XXXXXX | 701 | XXXXXX | XXXXXX | 49.64 | 49.64 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.85 | 7.85 | Fully Amortized | 7.125 | XXXXXX | 49.64 | 49.64 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 4 months | Paystub - 4 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 108493 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 180 | 7000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 797 | 796 | 808 | 3226.45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 797 | XXXXXX | XXXXXX | 44.03 | 44.8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 79.26 | 79.26 | Fully Amortized | 7.000 | XXXXXX | 44.03 | 44.8 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 808586 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 102 | 40466.00 | 22 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 722 | 703 | 34788.10 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 722 | XXXXXX | XXXXXX | 9.58 | 15.02 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7 | 7.00 | Fully Amortized | 5.875 | XXXXXX | 9.58 | 15.02 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Tax Return - 24 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 539111 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 37 | 12400.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 660 | 659 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 660 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 82.98 | 62.48 | Qualifying Rate, Fully Amortized | 8.754 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 338748 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 37 | 12400.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 660 | 659 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 660 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 81.86 | 68.68 | Qualifying Rate, Fully Amortized | 7.497 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 284067 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 6 | No | Present | XXXXXX | 269 | 14000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 748 | 687 | 67923.01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 715 | XXXXXX | XXXXXX | 10.38 | 16.49 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.52 | 15.52 | Fully Amortized | 5.990 | XXXXXX | 10.38 | 16.49 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 24 months;<br> Personal Bank Statements - 24 months;<br> Verbal VOE with Income - 160 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 169541 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 413 | 20700.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 792 | 769 | 794 | 1733.42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 784 | 792 | XXXXXX | XXXXXX | XXXXXX | 784 | XXXXXX | XXXXXX | 18.91 | 31.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.36 | 8.36 | Fully Amortized | 3.875 | XXXXXX | 18.91 | 31.62 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 502358 | XXXXXX | XXXXXX | XXXXXX | 1 | Present | No | XXXXXX | XXXXXX | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 200 | 10000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 813 | 802 | 20600.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 814 | 824 | 820 | XXXXXX | XXXXXX | XXXXXX | 802 | XXXXXX | XXXXXX | 14.7 | 25.94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 165.17 | 165.17 | Fully Amortized | 3.625 | XXXXXX | 14.7 | 25.94 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | Business Bank Statements - 14 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.8

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Last Name** | **Borrower 3 Last Name** | **Borrower 2 First Name** | **Borrower 3 First Name** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Combined Loan Amount** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Pay Change Date** | **Next Rate Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Appraiser First Name** | **Appraiser Middle Name** | **Appraiser Last Name** | **Appraiser Certification License Number** | **Appraiser License Expiration Date** | **Appraisal Company Name** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **LTV** | **CLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mandatory Arbitration removed upon sale of loan?** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Title Status** | **Lien Position** | **Title Doc Type** | **Title Interest Type** | **Application Status** | **Application Date** | **Credit Report Status** | **Credit Report Date** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Representative Credit Score** | **DTI (Front) From 1008** | **DTI (Back) From 1008** | **DTI Qualifying (Front) From 1008** | **DTI Qualifying (Back) From 1008** | **ATR Calculated DTI (Back)** | **QM Calculated DTI (Back)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **QC Date Audit** | **Senior Lien ODate** | **Senior Lien OPB** | **Senior Lien UPB** | **Senior Lien OTerm** | **Senior Lien Current Interest Rate** | **Senior Lien P&I** |
| 204498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Present | 1 | Commitment Title | Fee Simple | Present | XXXXXX | Present | XXXXXX | 678 | 685 | 684 | (No Data) | (No Data) | (No Data) | 685 | 0 | 0 | 0 | 0 | 31.53 | 31.53 | 31.53 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX |
| 961191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Present | 1 | Commitment Title | Fee Simple | Present | XXXXXX | Present | XXXXXX | 748 | 768 | 748 | 783 | 779 | 777 | 748 | 0 | 0 | 0 | 0 | 21.21 | 21.21 | 21.21 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX |
| 515621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Present | 1 | Commitment Title | Fee Simple | Present | XXXXXX | Present | XXXXXX | 668 | 670 | 700 | 667 | 698 | 687 | 670 | 0 | 0 | 0 | 0 | 50.04 | 50.04 | 50.04 | Alt Doc/Business Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX |
| 518336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 1-Year TCM (weekly) | 45 | 5.950 | N 1/8 | 9.8750 | 7.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 13.8750 | 7.8750 | XXXXXX | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Present | 1 | Commitment Title | Fee Simple | Present | XXXXXX | Present | XXXXXX | 634 | 663 | 592 | 634 | 617 | 613 | 634 | 0 | 0 | 0 | 0 | 43.16 | 43.16 | 43.16 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX |
| 814373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 1-Year TCM (weekly) | 45 | 5.950 | N 1/8 | 9.7500 | 7.750 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 13.7500 | 7.7500 | XXXXXX | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Present | 1 | Commitment Title | Fee Simple | Present | XXXXXX | Present | XXXXXX | 591 | 627 | 626 | (No Data) | (No Data) | (No Data) | 626 | 0 | 0 | 0 | 0 | 42.9 | 42.9 | 42.9 | Alt Doc/Business Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX |
| 269085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Present | 1 | Commitment Title | Fee Simple | Present | XXXXXX | Present | XXXXXX | 556 | 547 | 541 | (No Data) | (No Data) | (No Data) | 547 | 0 | 0 | 0 | 0 | 39.3 | 39.3 | 39.3 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX |
| 973516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 1-Year TCM (weekly) | 45 | 6.950 | N 1/8 | 9.6250 | 7.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 13.6250 | 7.6250 | XXXXXX | (No Data) | Second Home | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | Mixed Use | 1 | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Present | 1 | Commitment Title | Fee Simple | Present | XXXXXX | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 0 | 0 | 0 | 0 | 32.18 | 32.18 | 32.18 | SISA | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX |
| 770694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 1-Year TCM (weekly) | 45 | 4.500 | N 1/8 | 9.6250 | 7.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 13.6250 | 7.6250 | XXXXXX | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Present | 1 | Final Title | Fee Simple | Present | XXXXXX | Present | XXXXXX | 592 | 585 | 606 | (No Data) | (No Data) | (No Data) | 592 | 0 | 0 | 0 | 0 | 48.35 | 52.65 | 48.35 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX |

---

## Exhibit 99.9

**Exhibit 99.9**

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**EXECUTIVE SUMMARY**

**BRAVO 2026-NQMR1**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions and f/k/a Edgemac ("Incenter Diligence"), performed an independent third-party due diligence review of 3 loans acquired by Loan Funding Structure LLC (the "Client"). The review was performed from June 2019 through July 2019 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans. For preparation of this report, Incenter Diligence has relied on historical information supplied at the time of the original purchase given the age of the asset and the fact that the original client and associated records no longer exist.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 3 loans for an aggregate original principal balance of $758,100.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, June 22, 2017 and June 15, 2018 |

---

**Data integrity and review methodology**

Incenter Diligence performed data integrity analysis on all loans in the sample by comparing the information supplied on the data tape against the source documents in the loan file to ascertain accuracy and completeness. All discrepancies are reported on the Final Tape Compare Report.

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Appraisal Value |
| &nbsp;&nbsp;Appraiser Name |
| &nbsp;&nbsp;Back/Qual DTI |
| &nbsp;&nbsp;Borrower First Name |
| &nbsp;&nbsp;Borrower Last Name |
| &nbsp;&nbsp;Coborrower 1 First Name |
| &nbsp;&nbsp;Coborrower 1 Last Name |
| &nbsp;&nbsp;Doc Type |

---

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---

| |
|:---|
| &nbsp;&nbsp;Doc Type Level |
| &nbsp;&nbsp;DSCR |
| &nbsp;&nbsp;Front DTI |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;FTHB Flag |
| &nbsp;&nbsp;Interest Rate Initial Cap |
| &nbsp;&nbsp;Interest Rate Life Cap |
| &nbsp;&nbsp;Interest Rate Periodic Cap |
| &nbsp;&nbsp;Interest Rate Rate Change Frequency |
| &nbsp;&nbsp;Interest Rate Life Floor |
| &nbsp;&nbsp;Interest Type |
| &nbsp;&nbsp;Investor Qualifying DSCR |
| &nbsp;&nbsp;Investor Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy Type |
| &nbsp;&nbsp;Original / Note Payment |
| &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Original Term to Maturity |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Self Employed Mortgagor |
| &nbsp;&nbsp;Self Employed Co-Borrower |

---

Page 2 of **14**

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**Underwriting Conformity**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the Client's underwriting guidelines, eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points of fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate that the appropriate employment and income documentation, such
as pay stubs, tax transcripts, and bank statements, was provided and used to accurately qualify the borrower according to guidelines.
Recalculate the borrower's income and debt to determine the appropriate debt to income ratio in accordance with the guidelines.
Validate borrower's employment history and confirm that the appropriate income and assets were used to qualify. Make a reasonable
assessment of whether there are any indications that income documentation may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate that assets used to qualify the borrower match the documentation
in the file and the information used to calculate down payment, closing costs, and reserves meet program guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review exceptions, compensating factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review program guidelines against the loan approval for discrepancies such
as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income requirements (such as DTI, etc);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review the loan approval against all supporting documentation and loan application
to verify accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the initial loan application against the final loan application
 or other loan applications found in the file to validate the application was signed, properly completed and to expose
 discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Evaluate that a credit report has been provided for all borrowers and assess whether it was pulled in a timely manner and that the
credit scores meet applicable guidelines. Verify whether any fraud alerts are listed on the credit reports and make a reasonable assessment
of whether the borrower's profile adheres to applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review the loan file for inconsistencies based on information derived from
source documentation provided in the loan file, for the purposes of identifying misrepresentations contained in the loan file, including
with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review for occupancy representation versus occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review the title report for possible judgments and other liens that may
have existed upon origination; verify chain of title.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify and validate the file contains sufficient property insurance coverage
as required by guidelines; confirm property insurance policy contains appropriate mortgagee clause. For subject properties located in
a Special Flood Hazard Area where flood insurance is required, verify and validate the file contains sufficient flood

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insurance coverage as required by guidelines and that flood insurance policy contains appropriate mortgagee clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review property details on appraisal including a review for ineligible properties.

**Property Valuation Review**

Incenter Diligence performed a standard property valuation Desktop Review on all loans to ensure the original property valuation in the loan file supports the subject property and to determine whether there are any indicators of misrepresentation. The evaluation included the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review the original appraisal report to ensure the valuation was performed
by a licensed appraiser and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Validate that the values used do not exceed 6 months in age,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Note any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify value used to calculate LTV/CLTV and note any deviations,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Verify the appraisal report matches loan documents, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review additional valuation products in the file; if there is a 10% variance, Client is notified and an additional independent valuation
product will be obtained.

**Regulatory Compliance Review**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence performed a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and the advice of outside counsel. In addition, Incenter Diligence utilizes the ComplianceAnalyzer tool by ComplianceEase. Incenter Diligence's conclusions are representative of our best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations.

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

Incenter Diligence reviewed each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal TILA

&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. Finance Charge Test (12 CFR §1026.18(d)(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;i. It is understated by no more than $100; or

Page 4 of **14**

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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. It
 is greater than the amount required to be 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;b. Rescission
 Finance Charge Test (12 CFR §1026.23(h)(2)i)

&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. It
 is understated by no more than $35; or

&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. It
 is greater than the amount required to be 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;iii. Rescission
 Total of Payments Test (12 CFR §1026.23(h)(2)(ii)

&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. Is
 understated by no more than $35; or

&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. Is
 greater than the amount required to be 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;c. Foreclosure
 Rescission Finance Charge and Total of Payments Tests(12 CFR §1026.23(h)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. APR
 Test 12 CFR §1026.22(a)(2), (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;i. The
 disclosed annual percentage rate (APR) is considered accurate because it is not more than
 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for irregular transactions)
 point above or below the APR as determined in accordance with the actuarial method; or

&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
 disclosed APR results from the disclosed finance charge, and the disclosed finance charge
 is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes
 of rescission the disclosed finance charge is considered accurate under §1026.23(g)
 or (h) (the rescission finance charge test or the foreclosure rescission finance charge test),
 whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Right
 of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3),

&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
 funding date is not before the third business day following 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;ii. The
 consumer may exercise the right to rescind until midnight of the third business day following
 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;iii. Validate
 Right of Rescission Notice was provided and provides the correct date for ability to cancel

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Dual
 Broker Compensation Test (12 CFR §1026.36(d)(2)

&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
 any loan originator receives compensation directly from a consumer in a consumer credit transaction
 secured by a dwelling, no loan originator shall receive compensation, directly or indirectly,
 from any other person other than the consumer in connection with the transaction for loan
 origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Loan
 Originator Credits Test (12 C.F.R. §1026.36(d)(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;i. Test
 that the initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the broker

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Financing
 of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&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. A
 creditor may not finance, directly or indirectly, any premiums or fees for credit insurance
 in connection with a consumer credit transaction secured by a dwelling (including a home
 equity line of credit secured by the consumer's principal dwelling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Initial
 TIL Disclosure (Pre-TRID)

&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. Initial
 TIL Disclosure Date Test (12 CFR §1026.17(b),1026.19(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;i. The
 loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C.
 §2601 et seq.) that is secured by the consumer's dwelling; and

&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
 initial TIL disclosure date is not later than the third business day (counting days on which
 the creditor's offices are open to the public for carrying on substantially all of its business
 functions) after the creditor receives the consumer's written application; 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
 initial TIL disclosure date is not later than the seventh business day (counting all calendar
 days except Sunday and specified legal public holidays) before consummation of the transaction,
 or the application date of the loan is before July 30, 2009; 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;iv. The
 loan is a "residential mortgage transaction" subject to the Real Estate Settlement
 Procedures Act (12 U.S.C. §2601 et seq.); and

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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;v. The
 initial TIL disclosure date is before consummation or three business days after the creditor
 receives the consumer's written application, whichever is earlier

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA
 RESPA Integrated Disclosures (TRID)

&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. Initial
 Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(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;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
 (provision of loan estimate form) not later than the third business day after the creditor
 receives the consumer's 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;b. Initial
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&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
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
 (provision of loan estimate form) not later than the seventh business day before consummation
 of the transaction

&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. Written
 List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&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
 the consumer is permitted to shop for a settlement service, the creditor shall provide the
 consumer with a written list identifying available providers of that settlement service and
 stating that the consumer may choose a different provider for that service. The creditor
 must identify at least one available provider for each settlement service for which the consumer
 is permitted to shop. The creditor shall provide this written list of settlement service
 providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in
 accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Your
 Home Loan Toolkit (§1026.19)

&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. Verify
 there is evidence that the disclosure was provided to the borrower

&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. Validate
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business
 days after receipt of 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;e. Borrowers
 Intent to Proceed (§1026.19); (§1026.25)

&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. Verify
 there is evidence in the file indicating the borrowers intent to proceed

&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 lender documents the borrowers intent to proceed on a standalone disclosure, validate
 the borrower signed and dated 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;f. Revised
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&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
 creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i)
 on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i).
 The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i)
 not later than four business days prior to consummation. If the revised version of the disclosures
 required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is
 considered to have received such version three business days after the creditor delivers
 or places such version in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Valid
 Change of Circumstances Test

&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
 changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Changed
 circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Changed
 circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Revisions
 requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration
 of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed
 settlement date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The
 date the rate was set was not provided and Interest rate dependent charges change once the
 interest rate is locked;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The
 reason for re-disclosure is "Decrease in charges affecting settlement or eligibility,
 a consumer-requested revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The
 initial loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Initial
 Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

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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;i. 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

&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. Revised
 Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required) (12
 CFR §1026.19(f)(2)(i) & (ii))

&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
 the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation,
 the creditor shall provide corrected disclosures reflecting any changed terms to the consumer
 so that the consumer receives the corrected disclosures 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;ii. If
 the consumer determines that the extension of credit is needed to meet a bona fide personal
 financial emergency, the consumer may modify or waive the three-business-day waiting period
 for the revised closing disclosure after receiving the 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;j. TRID
 Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&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. 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID
 Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR §1026.19(e)(3)(ii))

&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
 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID
 Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&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. 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID
 Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

&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. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified
 under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if
 the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID
 Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

&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. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified
 under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if
 the creditor refunds the excess to the consumer no later than 60 days after consummation

&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. Disclosure
 of Escrow Account (§1026.38(l)(7)

&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
 the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38)(c); (§1026.37(c)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4),(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;c. Verify
 all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate
 (§1026.37(g)(3)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7)

&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 loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c); (§1026.37(c)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4), (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;c. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure
 of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B)

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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;i. In
 transactions involving a seller, validate whether the lender disclosed all costs being paid
 by the seller on the borrowers Closing 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;ii. If
 seller paid fees are present on the borrower's Closing Disclosure, review the seller's
 Closing Disclosure or alternative documentation for accuracy of 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;q. Post-consummation
 Event and Revised Closing Disclosure Delivery Date Test

&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
 post-consummation revised closing disclosure delivery date is not more than 60 calendar days
 after the consummation date, or closing / settlement date if no consummation date was provided;
 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. The
 provided reimbursement date is not more than 60 calendar days after the consummation date,
 or closing / settlement date if no consummation date 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;r. Non-numeric
 Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test (12 CFR
 §1026.19(f)(2)(iv))

&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. A
 creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
 contain non-numeric clerical errors, provided the creditor delivers or places in the mail
 corrected disclosures no later than 60 days after 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;s. Loan
 Calculation Test on the Closing Disclosure (12 CFR §1026.38)

&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. 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;ii. 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;iii. 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;iv. Total
 Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified
 Mortgage / Ability To Repay – Dodd Frank

&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. Classification
 of QM designated 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;i. Validate
 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

&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. Determination
 of conformity thresholds (Safe Harbor or Rebuttable Presumption

&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. Negative
 Amortization Loan (12 CFR 1026.43(e)(2)(i)(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;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments that
 are substantially equal, except for the effect that any interest rate change after consummation
 has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not
 result in an increase of the principal balance

&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. Interest
 Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&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. A
 qualified mortgage is a covered transaction that provides for regular periodic payments that
 are substantially equal, except for the effect that any interest rate change after consummation
 has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not
 allow the consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon
 Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&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. A
 qualified mortgage is a covered transaction that provides for regular periodic payments that
 are substantially equal, except for the effect that any interest rate change after consummation
 has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not
 result in a balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan
 Term (12 CFR 1026.43(e)(2)(iii))

&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. A
 qualified mortgage is a covered transaction for which the loan term does not exceed 30 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points
 and Fees (12 CFR §1026.43(e)(3))

&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. Points
 and fees do not exceed the qualified mortgage points and fees 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;g. DTI
 (12 CFR §1026.43(e)(2)(vi))

&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
 ratio of the consumer's total monthly debt to total monthly income at the time of consummation
 does not exceed 43 percent, calculated in accordance with Appendix Q

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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;h. Prepayment
 Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&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. A
 covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. The
 prepayment penalty is otherwise permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Has
 an annual percentage rate that cannot increase after 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;c. Is
 a qualified mortgage under paragraph (e)(2), (e)(4), or (f) 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;d. Is
 not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home
 Ownership and Equity Protection Act – HOEPA (Sections 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;a. Federal
 HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii)

&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. Tests
 that the loan is/is not secured by the consumer's principal dwelling; or

&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. Tests
 that the loan is/ is not an open-end credit plan; or

&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. That
 the application date of the loan occurs before/ after the effective date of October 1, 1995;
 or

&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. That
 the date the creditor received application occurs on or after January 10, 2014, the effective
 date of the High-Cost Mortgage amendments

&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. High-Cost
 Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&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
 loan is secured by a first-lien transaction, and the annual percentage rate (APR) does not
 exceed the Average Prime Offer Rate by more than 6.5%; or

&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
 loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not exceed
 the Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost
 Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&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
 total points and fees does not exceed allowable limits per the given loan 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;d. High-Cost
 Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&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
 loan contract or open-end credit agreement does not allow the creditor to 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Prepayment
 penalties that can exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost
 Mortgage (12 CFR §1026.32(a)(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;f. High-Cost
 Mortgage Repayment Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other
 high-costs tests pursuant to (12 CFR §1026.32(a)(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;i. Timing
 of 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;ii. Balloon
 payment

&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. Negative
 amortization

&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. 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;v. Pre-loan
 counseling

&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. Late
 charges

&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. Grace
 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;viii. Financing
 of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher
 Priced Mortgage Loan – HMPL (section 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;a. Higher
 Priced Mortgage Loan test (12 CFR §1026.35(a)(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;b. Higher
 Priced Mortgage Loan required escrow account test (12 CFR §1026.35(a)(1), (b)(2)(i)(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;c. Higher
 Priced Mortgage Loan prepayment term test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Higher
 Priced Mortgage Loan escrow account test (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited
 Acts – Brokers Comp

&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. Broker
 Compensation Test (12 CFR §1026.36(d)(2)

&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
 any loan originator receives compensation directly from a consumer in a consumer credit transaction
 secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. No
 loan originator shall receive compensation, directly or indirectly, from any person other
 than the consumer in connection with the transaction; and

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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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No
 person who knows or has reason to know of the consumer-paid compensation to the loan originator
 (other than the consumer) shall pay any compensation to a loan originator, directly or indirectly,
 in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide
 Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

&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. 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

&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
 the data against the NMLSR database, as available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 RESPA

&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. Homeownership
 Counseling Organizations Disclosure Date Test (12 CFR §1024.20(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;i. Not
 later than three business days after a lender, mortgage broker, or dealer receives an application,
 or information sufficient to complete an application, the lender must provide the loan applicant
 with a clear and conspicuous written list of homeownership counseling organizations that
 provide relevant counseling services in the loan applicant's 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;ii. The
 list of homeownership counseling organizations distributed to each loan applicant under this
 section shall be obtained no earlier than 30 days prior to the time when the list is provided
 to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Good
 Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Not
 later than 3 business days after a loan originator (broker or lender) receives an application
 for a federally related mortgage loan, or information sufficient to complete an application,
 the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Good
 Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Looks
 for any amounts entered for both a loan discount fee and a yield spread premium or a lender
 credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Only
 one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA
 Valuation Rule (12 CFR §1002.14(a)(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;a. Review
 all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate
 if the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening

&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. Review
 all applicable loans for proof that lender delivered copies of appraisals and other written
 valuations three business days before consummation (closed-end), or account opening (open-end)

&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
 the customer(s) waived their right to receive copies of their appraisals three business days
 prior to consummation/account opening, review the Post-Closing submission for an Acknowledgment
 of Receipt of Appraisal Report, or other proof that the lender provided provide the copies
 either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. State
 Specific tests (varies by state and applicability, by at a minimum includes);

&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
 / Home Loan tests

&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. High
 cost tests

&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. Higher
 Priced Mortgage Loan tests

&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. APR
 threshold tests

&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. Points
 and fees threshold tests

&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. Cover
 loan tests

&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. Negative
 Amortization tests

&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. Prepayment
 tests

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**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

● HUD1 from Sale of Previous Residence

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

● Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

● Appraisal

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Notice of Special Flood Hazards

● Mortgage Insurance

**Other review and methodology**

Not applicable.

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**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &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;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

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**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp; **Credit** <br> **Grade A** | &nbsp;&nbsp; **Credit** <br> **Grade B** | &nbsp;&nbsp; **Credit** <br> **Grade C** |
| &nbsp;&nbsp;Credit - Credit | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - General Underwriting Guideline Violation | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - Income and Assets | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - Insurance and Title | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - Legal Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp;**Compliance Grade A** | &nbsp;&nbsp;**Compliance Grade B** | &nbsp;&nbsp;**Compliance Grade C** |
| &nbsp;&nbsp;Compliance - Regulatory Compliance | &nbsp;&nbsp;8 | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance - TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**0** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp; **Property** <br> **Grade A** | &nbsp;&nbsp; **Property** <br> **Grade B** | &nbsp;&nbsp; **Property** <br> **Grade C** |
| &nbsp;&nbsp;Property - Collateral | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp; **% of**<br> **Accuracy** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Appraisal Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Appraiser Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Back/Qual DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |

---

Page 13 of **14**

![](incenter_logo.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Coborrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Coborrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type Level | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Front DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FTHB Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Qualifying DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Qualifying DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original / Note Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Term to Maturity | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self Employed Mortgagor | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self Employed Co-Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**98.55%** |

---

Page 14 of **14**

## Exhibit 99.9

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) | Date Submitted: | 8/5/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Loan Funding Structure LLC | Report: | Exception Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Project: | BRAVO 2026-NQMR1 | Loans in report: | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **General Category** | **Exception** | **Exception ID** | **Date Exception Cured Waived Updated** | **Description of Clearance** | **Comments** | **Compensating Factors** | **Exception Status** | **Exception Category** | **Exception Event Level** | **Initial Review Date** | **Occupancy Type** | **Property State** | **Note Date** | **Loan Purpose** | **TILA Rating** | **Loan Initial** | **Loan Final** | **Credit Initial** | **Credit Final** | **Compliance Initial** | **Compliance Final** | **Property Initial** | **Property Final** |
| 8/5/2022 | 637278 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing Grant Deed to confirm vesting on Mortgage. | 7000-1939 | 6/17/2019 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 06/17/2019: Received Warranty Deed. | Compensating Factors: 1. XXX% DTI, XXX% less than program guideline maximum DTI of 43.00% 2. XXX month reserves, XXX months greater than program guideline 3 months reserves requirement 3. Owner of the same business for XXX years | Cured | Compliance | EG1 | 6/12/2019 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG1 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 8/5/2022 | 637278 | XXX | XXX | XXX | Compliance - Regulatory Compliance | The loan contains errors within one or more TRID disclosure. The Seller Paid fees on the Closing Disclosure (CD) in file dated XXX do not match the Seller Paid fees on the Seller's Closing Disclosure in file dated XXX. Need Post Consummation Closing Disclosure with letter to borrower and proof of method of delivery reflecting all Seller Paid fees in Seller-Paid column of Borrower's CD. | 7000-1938 | 6/18/2019 | Waived/Exception Granted |  | Compensating Factors: 1. XXX% DTI, XXX% less than program guideline maximum DTI of 43.00% 2. XXX month reserves, XXX months greater than program guideline 3 months reserves requirement 3. Owner of the same business for XXX years | Waived | Compliance | EG2 | 6/12/2019 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG1 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 8/5/2022 | 637278 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required Federal and/or State Disclosures: Loan Options Disclosure/Anti-Steering Options Disclosure. | 7000-1940 | 6/13/2019 | Waived/Exception Granted |  | Compensating Factors: 1. XXX% DTI, XXX% less than program guideline maximum DTI of 43.00% 2. XXX month reserves, XXX months greater than program guideline 3 months reserves requirement 3. Owner of the same business for XXX years | Waived | Compliance | EG2 | 6/12/2019 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG1 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 8/5/2022 | 637278 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Incenter does not consider negative per diem interest as a credit against the total finance charge. Please provide a PCCD with letter of explanation and proof of method of delivery to the borrower that discloses the prepaid interest amount in line F03 as $XXX and use an offsetting lender credit in section H with a description of applicability to under disclosed finance charges to properly apply the credit and accurately disclose the credit to finance charges.Federal TILAThis loan failed the TILA finance charge test.(12 CFR 1026.18(d)(1), transferred from 12 CFR 226.18(d)(1))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. Total under disclosed amount is -$XXX. | 7000-1942 | 6/18/2019 | Waived/Exception Granted |  | Compensating Factors: 1. XXX% DTI, XXX% less than program guideline maximum DTI of 43.00% 2. XXX month reserves, XXX months greater than program guideline 3 months reserves requirement 3. Owner of the same business for XXX years | Waived | Compliance | EG2 | 6/12/2019 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG1 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 8/5/2022 | 824318 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence that the property located at XXX have been sold. Subject to debt recalculation | 7000-1985 | 6/17/2019 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | HUD1 provided - sale price $XXX XXX. Redfin confirmes closed sale date. | Compensating Factors: 1. XXX FICO, XXX points greater than program guideline minimum FICO of 660 2. <br> Excellent mortgage payment history since XXX 3. Owner of the same business for XXX years | Cured | Credit | EG1 | 6/13/2019 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 8/5/2022 | 824318 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required Federal and/or State Disclosures: Loan Options Disclosure/Anti-Steering Options Disclosure, XXX Fee Information From Your Mortgage Broker For Your Mortgage Loan AKA Mortgage Broker Application Disclosure, and XXX Rate Spread Adjustable Mortgage Loan Disclosure AKA XXX Acknowledgement of Fixed Rate Loan Terms and Costs. | 7000-1971 | 6/17/2019 | Waived/Exception Granted |  | Compensating Factors: 1. XXX FICO, XXX points greater than program guideline minimum FICO of 660 2. Excellent mortgage payment history since XXX 3. Owner of the same business for XXX years | Waived | Compliance | EG2 | 6/13/2019 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 8/5/2022 | 824318 | XXX | XXX | XXX | Compliance - Regulatory Compliance | The loan contains errors within one or more TRID disclosure. Missing signed Lender's explanation for incomplete Closing Disclosure(s) in file missing pages and/or key data elements, however, not marked as "Draft" or "Preliminary". | 7000-1972 | 6/17/2019 | Waived/Exception Granted |  | Compensating Factors: 1. XXX FICO, XXX points greater than program guideline minimum FICO of 660 2. Excellent mortgage payment history since XXX 3. Owner of the same business for XXX years | Waived | Compliance | EG2 | 6/13/2019 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 8/5/2022 | 824318 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Document not properly executed or dated: The county is listed on the subject security instrument as XXX. Evidence was in file to show that the security instrument was recorded in XXX and the correct county is reflected in the legal description. | 7000-1993 | 6/17/2019 | Waived/Exception Granted |  | Compensating Factors: 1. XXX FICO, XXX points greater than program guideline minimum FICO of 660 2. Excellent mortgage payment history since XXX 3. Owner of the same business for XXX years | Waived | Compliance | EG2 | 6/13/2019 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 8/5/2022 | 824318 | XXX | XXX | XXX | Compliance - Regulatory Compliance | There is a "XXX General Warranty Deed" in file, however, it is incomplete. Need fully executed Deed, inclusive of dates and signatures. Signed Closing Instructions reflecting vesting per Security Instrument and Closing Protection Letter are both in file. | 7000-1987 | 6/17/2019 | Waived/Exception Granted |  | Compensating Factors: 1. XXX FICO, XXX points greater than program guideline minimum FICO of 660 2. Excellent mortgage payment history since XXX 3. Owner of the same business for XXX years | Waived | Compliance | EG2 | 6/13/2019 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 8/5/2022 | 824318 | XXX | XXX | XXX | Credit - Income and Assets | The verified assets of $XXX are insufficient to satisfy the cash to close requirement of $XXX and 3 months reserves requirement of $XXX. | 7000-1983 | 6/17/2019 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Sale CD reflects proceeds $XXX. XXX guides B3-4.3 (Verif non-depository assets) sales proceeds using the settlement statement on the home showing sufficient net cash proceeds. | Compensating Factors: 1. XXX FICO, XXX points greater than program guideline minimum FICO of 660 2. Excellent mortgage payment history since XXX 3. Owner of the same business for XXX years | Cured | Credit | EG1 | 6/13/2019 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 8/5/2022 | 459705 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Client's approved exception due to DTI is XXX% vs program guideline maximum DTI of 50.00%Compensating Factors:1. XXX months reserves, XXX months greater than program guideline 3 months reserves requirement2. Owner of the same business for XXX years3. No public records | 7000-2153 | 7/8/2019 | Waived/Exception Granted | 07/08/2019: Client elects to waive guideline requirement with compensating factors. | Compensating Factors: 1. XXX months reserves, XXX months greater than program guideline 3 months reserves requirement 2. Owner of the same business for XXX years 3. No public records | Waived | Credit | EG2 | 7/5/2019 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |

---

## Exhibit 99.9

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) | Date Submitted: | 8/5/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Loan Funding Structure LLC | Report: | Exception Report - Loan |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Project: | BRAVO 2026-NQMR1 | Loans in report: | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **Open Material Exceptions** | **Open Non Material Exceptions** | **Cleared Exceptions** | **Cured Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Initial Review Date** | **Occupancy Type** | **Property State** | **Note Date** | **Loan Purpose** | **TILA Rating** | **Loan Initial** | **Loan Final** | **Credit Initial** | **Credit Final** | **Compliance Initial** | **Compliance Final** | **Property Initial** | **Property Final** |
| 8/5/2022 | 637278 | XXX | XXX | XXX |  |  | 1) Missing Grant Deed to confirm vesting on Mortgage.<br> COMMENTS: //UPDATE 06/17/2019: Received Warranty Deed. |  | 1) The loan contains errors within one or more TRID disclosure. The Seller Paid fees on the Closing Disclosure (CD) in file dated XXX do not match the Seller Paid fees on the Seller's Closing Disclosure in file dated XXX. Need Post Consummation Closing Disclosure with letter to borrower and proof of method of delivery reflecting all Seller Paid fees in Seller-Paid column of Borrower's CD.<br>2) Missing the following required Federal and/or State Disclosures: Loan Options Disclosure/Anti-Steering Options Disclosure.<br>3) Incenter does not consider negative per diem interest as a credit against the total finance charge. Please provide a PCCD with letter of explanation and proof of method of delivery to the borrower that discloses the prepaid interest amount in line F03 as $XXX and use an offsetting lender credit in section H with a description of applicability to under disclosed finance charges to properly apply the credit and accurately disclose the credit to finance charges.Federal TILAThis loan failed the TILA finance charge test.(12 CFR 1026.18(d)(1), transferred from 12 CFR 226.18(d)(1))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. Total under disclosed amount is -$XXX. | Compensating Factors: 1. XXX% DTI, XXX% less than program guideline maximum DTI of 43.00% 2. XXX month reserves, XXX months greater than program guideline 3 months reserves requirement 3. Owner of the same business for XXX years | 6/12/2019 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG1 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 8/5/2022 | 824318 | XXX | XXX | XXX |  |  | 1) The verified assets of $XXX are insufficient to satisfy the cash to close requirement of $XXX and 3 months reserves requirement of $XXX.<br> COMMENTS: Sale CD reflects proceeds $XXX. XXX guides B3-4.3 (Verif non-depository assets) sales proceeds using the settlement statement on the home showing sufficient net cash proceeds. <br>2) Missing documentation to evidence that the property located at XXX have been sold. Subject to debt recalculation<br> COMMENTS: HUD1 provided - sale price $XXX XXX. Redfin confirmes closed sale date. |  | 1) Missing the following required Federal and/or State Disclosures: Loan Options Disclosure/Anti-Steering Options Disclosure, XXX Fee Information From Your Mortgage Broker For Your Mortgage Loan AKA Mortgage Broker Application Disclosure, and XXX Rate Spread Adjustable Mortgage Loan Disclosure AKA XXX Acknowledgement of Fixed Rate Loan Terms and Costs.<br>2) The loan contains errors within one or more TRID disclosure. Missing signed Lender's explanation for incomplete Closing Disclosure(s) in file missing pages and/or key data elements, however, not marked as "Draft" or "Preliminary".<br>3) There is a "XXX General Warranty Deed" in file, however, it is incomplete. Need fully executed Deed, inclusive of dates and signatures. Signed Closing Instructions reflecting vesting per Security Instrument and Closing Protection Letter are both in file.<br>4) Document not properly executed or dated: The county is listed on the subject security instrument as XXX. Evidence was in file to show that the security instrument was recorded in XXX and the correct county is reflected in the legal description. | Compensating Factors: 1. XXX FICO, XXX points greater than program guideline minimum FICO of 660 2. Excellent mortgage payment history since XXX 3. Owner of the same business for XXX years | 6/13/2019 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 8/5/2022 | 459705 | XXX | XXX | XXX |  |  |  |  | 1) Client's approved exception due to DTI is XXX% vs program guideline maximum DTI of 50.00%<br> Compensating Factors:1. XXX months reserves, XXX months greater than program guideline 3 <br> months reserves requirement2. Owner of the same business for XXX years3. No public records<br> COMMENTS: 07/08/2019: Client elects to waive guideline requirement with compensating factors. | Compensating Factors: 1. XXX months reserves, XXX months greater than program guideline 3 <br> months reserves requirement 2. Owner of the same business for XXX years 3. No public records | 7/5/2019 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |

---

## Exhibit 99.9

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) | Date Submitted: | 8/5/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Loan Funding Structure LLC | Report: | Rating Agency Grades |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Project: | BRAVO 2026-NQMR1 | Loans in report: | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 8/4/2022 | 637278 | XXX | XXX | XXX | 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 |
| 8/4/2022 | 824318 | XXX | XXX | XXX | 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 | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 8/4/2022 | 459705 | XXX | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |

---

## Exhibit 99.9

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) | Date Submitted: | 8/5/2022 |  |  |  |  |  |
| Client Name: | Loan Funding Structure LLC | Report: | Final Tape Compare |  |  |  |  |  |
| Client Project: | BRAVO 2026-NQMR1 | Loans in report: | 3 |  |  |  |  |  |
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **Field** | **Final Tape Data** | **Reviewer Data** | **Comment** |
| 08/05/2022 | 637278 | XXX | XXX | XXX | Investor Qualifying DTI | XXX | XXX | Discrepancy: Verified per source documents. |
| 08/05/2022 | 824318 | XXX | XXX | XXX | Qualifying Credit Score | XXX | XXX | Discrepancy: Verified per source documents. |

---

## Exhibit 99.9

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) | Date Submitted: | 8/5/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Loan Funding Structure LLC | Report: | Supplemental Data |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Project: | BRAVO 2026-NQMR1 | Loans in report: | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Most Recent Pay History Longest Available** | **Credit based Modification Flag** | **Type of Modification** | **Modification Term** | **Servicing Transfer Date** | **Borrower 3 Original Score** | **Borrower 4 Original Score** | **Borrower 3 Original Score Date** | **Borrower 4 Original Score Date** | **Borrower 3 Updated Score** | **Borrower 4 Updated Score** | **Borrower 3 Updated Score Date** | **Borrower 4 Updated Score Date** | **FN Alternative Credit Documentation** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **UW Guideline Author** | **UW Guideline Date** | **UW Guideline Program** | **Originator Credit Grade if appl** | **Correspondent Name** | **Qualifying Credit Score** | **Qualifying Home Value for LTV** | **HOA Flag** | **HOA Monthly Premium Amount** | **Borrower Employment Status** | **Co Borrower Employment Status** | **No of Months Statement** | **Type of Statements** | **Assets / Income Doc Source - Bank Statements** | **Income Doc Source (m) - W2** | **Income Doc Source (m) - Tax Returns** | **Assets / Income Doc Source (m) - Asset Depletion** | **Income Doc Source (m) - P&L** | **Asset Verification (d)** | **Borrower 1 Doc Type** | **Borrower 2 Doc Type** | **Borrower 3 Doc Type** | **Borrower 4 Doc Type** | **Investor DTI Prop DTI** | **Actual In Place Rent** | **Third Party Market Rent** | **Recourse** | **Rent Loss Insurance m** | **Executed NOO Docs In File** | **# Units** | **Lease In Place Flag** | **Borrower 1 Type** | **Borrower 2 Type** | **No Mtg Prop With Lender** | **No of Properties** | **Year Built** | **Total Sq Ft** | **Property Condition** | **# Beds** | **# Baths** | **Section 8** | **Acquisition Cost** | **Renovation Cost** | **UW Gross Potential Rent** | **UW Economic Vacancy** | **UW Effective Gross Income** | **UW RE Taxes** | **UW Ins Costs** | **UW Prop Mgmt Fee** | **UW Turnover Costs** | **UW Repairs and Maintenance** | **UW Marketing and Leasing Costs** | **UW Utilities** | **UW Other Costs** | **UW HOA Fees** | **UW Cap Ex Reserve** | **Lease End Date** | **Borrower 1 Name - By Income** | **Borrower 2 Name - By Income** | **Borrower First Name - Per Application** | **Borrower Last Name - Per Application** | **Co Borrower First Name - Per Application** | **Co Borrower Last Name - Per Application** | **Guarantor 1 Name** | **Guarantor 1 Experian Score** | **Guarantor 1 Transunion Score** | **Guarantor 1 Most Recent Tri Merge Score** | **Guarantor 1 Most Recent Tri Merge Score Date** | **Guarantor 1 Total Income** | **Guarantor 1 Total Debt** | **Guarantor 2 Name** | **Guarantor 2 Equifax Score** | **Guarantor 2 Experian Score** | **Guarantor 2 Transunion Score** | **Guarantor 2 Most Recent Tri Merge Score** | **Guarantor 2 Most Recent Tri Merge Score Date** | **Guarantor 2 Total Income** | **Guarantor 2 Total Debt** | **ACH Payments** | **Tape Cut Off Date** | **Annual Property Tax** | **Annual Insurance Costs** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Months Modification** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Life Event LOE** | **Life Event Documented** | **Prior Occupancy Type** | **Number of Prior Credit Events** | **Loan Application Date** | **Regulatory Loan Purpose** | **APR** | **Points Fees** | **QM Designation** | **ATR Status** | **Rate Lock Date** | **Residual Income Originator** | **QM Agency UW Test** | **Non QM Reason Product Type** | **Non QM Reason DTI Test 43 App Q** | **Non QM Reason Not App Q Any DTI** | **Non QM Reason Pts Fees** | **Non QM Reason Other** | **Executed ATR Docs In File** | **QM ATR Exempt Reason** | **TRID Applicable** | **Full SFIG TRID 3 0 Scope Reviewed** | **LP Grade** | **DU Grade** | **AUS Engine** | **Collateral Underwriter CU risk score** | **Property Inspection Wavier PIW** | **DSCR** | **PITIA** | **Income Used in DSCR** | **Qualifying Rate** | **Maturity Date** | **P I Payment** | **QM DTI** | **ATR DTI** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD-1 Page 1 (Credits) Total** | **BALLOON FLAG** | **FIRST RATE ADJUSTMENT DATE** | **FIRST PAYMENT ADJUSTMENT DATE** | **PAYMENT ADJUSTMENT FREQUENCY** | **BORROWER 1 FIRST TIME HOME BUYER** | **BORROWER 2 FIRST TIME HOME BUYER** | **MOST RECENT BANKRUPTCY FILING DATE** | **MOST RECENT BANKRUPTCY TYPE** | **MOST RECENT BANKRUPTCY DISCHARGE DATE** | **MOST RECENT FORECLOSURE DATE** | **MOST RECENT SHORT SALE DATE** | **MOST RECENT DEED IN LIEU DATE** | **LEASEHOLD INDICATOR** | **QUALIFYING PAYMENT** | **TOTAL ASSETS** | **WARRANTABLE CONDO** |
| 08/04/2022 | 637278 | XXX | XXX | X |  |  |  |  |  |  |  |  |  |  |  |  |  | Borrower is a US Citizen |  |  | XXX | XXX |  | XXX | XXX | XXX | N | XXX | Self-employed |  | 12 | Business Account | Bank Statements_XXX.pdf<br> Bank Statements_XXX.pdf<br> Bank Statements_XXX.pdf<br> Bank Statements_XXX.pdf<br> Bank Statements_XXX.pdf<br> Bank Statements_XXX.pdf<br> Bank Statements_XXX.pdf<br> Bank Statements_XXX.pdf<br> Bank Statements_XXX.pdf<br> Bank Statements_XXX.pdf<br> Bank Statements_XXX.pdf<br> Bank Statements_XXX.pdf<br> Bank Statements_{Borrower}_{Bank}_XXX_XXX.pdf<br> Bank Statements_{Borrower}_{Bank}_XXX_XXX.pdf<br> Online Bank Statements or Transaction Summarys_{Borrower}_{Bank}_XXX_XXX.pdf |  |  |  |  | 30 | 12 Month Bank Statements |  |  |  | XXX |  |  |  |  |  | 1 |  |  |  | 0 | 0 | 1960 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 8.750% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | N | Y | Y | N |  |  | Y | Y |  |  |  |  |  |  | XXX |  | 8.59% | XXX | XXX | XXX | XXX |  |  |  | No | XXX | XXX |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  |
| 08/04/2022 | 824318 | XXX | XXX | X |  |  |  |  |  |  |  |  |  |  |  |  |  | Borrower is a US Citizen |  |  | XXX | XXX |  | XXX | XXX | XXX | Y | XXX | Self-employed |  |  |  | Bank Statements_{Borrower}_XXX_XXX_XXX.pdf<br> Bank Statements_{Borrower}_XXX_XXX_XXX.pdf<br> Bank Statements_{Borrower}_XXX_XXX_XXX.pdf<br> Bank Statements_{Borrower}_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX.pdf |  |  |  |  | 30 | 12 Month Verification (S/E Only) |  |  |  | XXX |  |  |  |  |  | 1 |  |  |  | 0 | 1 | 2007 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 7.008% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N | N |  |  | Y | Y |  |  |  |  | No |  | XXX |  | 6.96% | XXX | XXX | XXX | XXX |  |  |  | No | XXX | XXX | 12 months / yearly | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  |
| 08/04/2022 | 459705 | XXX | XXX | X |  |  |  |  |  |  |  |  |  |  |  |  |  | Borrower is a US Citizen |  |  | XXX | XXX |  | XXX | XXX | XXX | N | XXX | Self-employed |  | 12 | Personal Account | Bank Statements_Joint_XXX_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX_XXX.pdf<br> Bank Statements_Joint_XXX_XXX_XXX_XXX.pdf<br> Bank Statements_XXX_{Bank}_XXX_XXX.pdf<br> Bank Statements_XXX_{Bank}_XXX_XXX.pdf<br> Bank Statements_XXX_{Bank}_XXX_XXX.pdf |  |  |  |  |  | 12 Month Bank Statements |  |  |  | XXX |  |  |  |  |  | 1 |  |  |  | 0 | 0 | 1956 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 7.828% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N | N |  |  | Y | Y |  |  |  | 3.4 | No |  | XXX |  | 7.69% | XXX | XXX | XXX | XXX |  |  |  | No | XXX | XXX |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  |

---

## Exhibit 99.9

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) | Date Submitted: | 8/5/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Loan Funding Structure LLC | Report: | QM ATR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Project: | BRAVO 2026-NQMR1 | Loans in report: | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **Borrower Employment Status** | **Co Borrower Employment Status** | **Loan Application Date** | **Regulatory Loan Purpose** | **APR** | **Points Fees** | **QM Designation** | **ATR Status** | **Rate Lock Date** | **Residual Income Originator** | **QM Agency UW Test** | **Non QM Reason Product Type** | **Non QM Reason DTI Test 43 App Q** | **Non QM Reason Not App Q Any DTI** | **Non QM Reason Pts Fees** | **Non QM Reason Other** | **Executed ATR Docs In File** | **QM ATR Exempt Reason** | **TRID Applicable** |
| 08/04/2022 | 637278 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 8.750% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | N | Y | Y | N |  |  | Y |
| 08/04/2022 | 824318 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 7.008% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N | N |  |  | Y |
| 08/04/2022 | 459705 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 7.828% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N | N |  |  | Y |

---

## Exhibit 99.9

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) | Date Submitted: | 8/5/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Loan Funding Structure LLC | Report: | Valuation Summary |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Project: | BRAVO 2026-NQMR1 | Loans in report: | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **Origination Date** | **Original Loan Amount** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Date** | **Original Appraisal Form** | **Property Value Used for Loan to Value1** | **Second Appraisal/ Valuation Value** | **Second Appraisal/ Valuation Variance Amount** | **Second Appraisal/ Valuation Percent** | **Second Appraisal/ Valuation Date** | **Second Appraisal/ Valuation Type** | **Second Full Appraisal Property Value** | **Second Full Appraisal Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Desk Review Property Value** | **Variance Percent** | **Desk Review Risk Score** | **Desk Review Date** | **Form 2055 Appraisal Property Value** | **Form 2055 Appraisal Appraisal Date** | **Original Automated Valuation Model AVM Property Value** | **Original Automated Valuation Model AVM Appraisal Date** | **Broker s Price Opinion BPO Property Value** | **Broker s Price Opinion BPO Appraisal Date** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Collateral Underwriter Risk Score** |
| 08/05/2022 | 637278 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA |  |  |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 08/05/2022 | 824318 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA |  |  |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 08/05/2022 | 459705 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA |  |  |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 3.4 |

---

## Exhibit 99.10

**Exhibit 99.10**

![](n5837opus_img001.jpg)

BRAVO 2026-NQMR1

Opus Capital Markets Consultants, LLC

5718 Westheimer Road - Suite 1000 \| Houston, TX 77057 \| <u>www.opuscmc.com</u> \| 224.632.1300

BRAVO 2026-NQMR1

**Executive Narrative**

**April 14, 2026**

**Performed by**

**Opus Capital Markets Consultants, LLC**

The report summarizes the results of a due diligence review performed on a pool of 24 loans, of which were purchased by Loan Funding Structure LLC ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review of all loans.

As detailed herein, the pool contains 24 loans, six (6) Non-QM loans and eighteen (18) ATR/QM Exempt loans, of which eighteen (18) loans are Business Purpose. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A

BRAVO 2026-NQMR1

<u>EXHIBIT A</u>

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Credit Qualification** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.1** **Guidelines** 

Determined whether each mortgage loan met the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant considered Regulation Z including Appendix Q when applicable. If the loan pre-dated the requirements of Regulation Z and Appendix Q, Consultant considered Fannie Mae's Single-Family guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.2** **Employment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.3** **Income** 

Recalculated borrower(s) monthly gross income and verified 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;&nbsp;&nbsp;&nbsp;&nbsp;**1.4** **Assets** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.5** **Debt Ratio** 

Recalculated the debt to income ratio and verified 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;&nbsp;&nbsp;&nbsp;&nbsp;**1.6** **Property Valuation** 

Analyzed 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. Reviewed the appraisal to determine the appraisal(s) met the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.7** **Loan-to-Value Ratio** 

Recalculated and verified the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and met Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.8** **Credit History** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.9** **Credit Scores** 

Verified that borrower(s) met the minimum credit score requirements of the Client provided underwriting guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.10** **Compensating Factors** 

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

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Document Review** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.1** **Collateral Docs** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1.1 Title Commitment / Policy

BRAVO 2026-NQMR1

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1.2 Mortgage Note / Security Instrument

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1.3 Mortgage / Deed of Trust

Verified the presence of a copy Mortgage or Deed of Trust. Confirmed that the documents were executed by all required parties and that all riders, addendums and exhibits were present and duly executed. If the loan closed within 12 months of the review, Consultant confirmed the presence of a letter from the title company specifying the date the Mortgage / Deed Trust were 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 was not contained in the loan file, the Client submitted a report from an independent document custodian verifying the presence of a recorded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1.4 Conveyance Deed

Verified as applicable that a proper conveyance deed was present in the loan file. Confirmed the proper transfer of ownership interest of the subject parties was detailed on the deed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.2** **Closing Docs** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2.1 Final Hud-1 Settlement Statement

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2.2 Final Truth-in-Lending Disclosure

If required, verified the presence of a final Truth-in-Lending Disclosure. Verified the completeness of required data and that all required signatures were present.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2.3 Notice of Right to Cancel

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2.4 If required, verified the presence of the current Loan Estimate (LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2.5 If required, verified the presence of the current Closing Disclosure (CD) at the time of origination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.3** **Credit Docs** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.1 Loan Application

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.2 Underwriting Worksheet

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.3 Credit Report

Verified the presence of a credit report for each borrower. Confirmed 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;2.3.4 Housing Payment History

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.5 Letters of Explanation

When Letters of Explanation were required by the Client provided underwriting guidelines, verified the presence of any such letters existed in the loan file.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.6 Gift Letters

When Gift Letters were required by the Client provided underwriting guidelines, verified the presence of any such letters existed in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.7 Income Documentation

Verified 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;&nbsp;&nbsp;&nbsp;&nbsp;2.3.8 Asset Documentation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.9 Property Valuation Tools

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

As part of the appraisal analysis component of the review, the original appraisal of the mortgaged property were analyzed by Consultant and the revew consisted of the following elements:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.10 Proof of Insurance

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.11 Sales Contract

Verified the final sales contract was in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.** **Regulatory Compliance** 

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.1** **Federal Truth in Lending Act/Regulation Z:** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.2** **Business Days as Defined by Regulation Z:** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3** **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.1 Initial Delivery: Creditor must deliver the Initial Disclosures within 3
"general" business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.2 No Pre-disclosure Fees: Creditor may not charge fees, other than credit
report fee, prior to borrower receiving the Initial Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.3 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more
than 7 "specific" business days prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.4 3 Day Waiting Period: Creditor must issue revised disclosures if APR in
initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives
the corrected disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.5 APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼
of percent difference in APR based on regular or irregular payment stream.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.4** **Home Ownership Equity Protection Act (HOEPA) testing, to include:** 

 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.1 APR test [HOEPA (§1026.32(a)(1))] and [HPML(§1026.35(a)(1))]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.2 Points and Fees test [HOEPA (§1026.32(a)(2))]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.3 Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment
stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.4 Review and confirm documentation type (i.e. full, stated, no ratio)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.5 Review for evidence of prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.6 Verification of Debt to Income conformity, when necessary.

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.5** **RESPA/Regulation X (Loans with an Application Date prior to 10/03/2015):** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.1 Good Faith Estimate (GFE):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.2 Consultant confirmed compliance with current RESPA requirements in effect
at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.3 Confirmed the presence of the current GFE form in effect at the time of
origination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.4 Verified the GFE was provided to the borrower(s) within three days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5 Application was defined by Regulation X and generally was considered complete
when the following seven conditions were met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.1 Borrower(s) First and Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.2 Borrower(s) Social Security Number (to enable the loan originator to obtain
a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.3 Subject Property Address (including "To Be Determined")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.4 Mortgage Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.5 Estimation of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.6 Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5.7 Any other requirement as defined in the lender's policies and procedures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.6 Consultant verified that all Broker fees, including Yield Spread Premium
("YSP") were accurately disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.7 Fees were reviewed to ensure they were reasonable and customary fees for
the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location
on the document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.8 Analysis determined whether a Changed Circumstance form was required to
accompany each revised Good Faith Estimate (GFE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9 Change of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9.1 Acts of God, war, disaster or other emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9.2 Information particular to borrower or transaction that were relied on in
providing the GFE and that changes or is found to be inaccurate after GFE was provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9.3 New information particular to the borrower or transaction that was not relied
on in providing the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9.4 Other circumstances that were particular to borrower or transaction, including
boundary disputes, need for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9.5 In the event any of the above occurs, the loan originator was required to
provide a new revised GFE to the borrower within 3 business days of receiving information sufficient to establish "changed circumstances"
and document the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.9.6 Rate Locks: If the rate was not been locked by the borrower or a locked
rate expired, the charge or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related to the rate
may change. If borrower later locks the rate, a new GFE was provided showing the revised rate-dependent charges and terms. All other charges
and terms remained the same as on the original GFE, except as otherwise provided above for "changed circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.10 Final HUD-1: Consultant confirmed compliance with current RESPA requirements in effect at origination
of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.10.1 Confirmed the presence of the current applicable Final HUD-1 form

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.10.2 Confirmed the Final HUD-1 accurately lists all broker and YSP 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;3.5.11 Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirmed compliance
with current RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.1 Analysis of Origination fees disclosed on the Good Faith Estimate (GFE)
and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.1.1 Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.1.2 Credit or Charge for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.1.3 Adjusted Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.1.4 Transfer Taxes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.2 Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE)
and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for
sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.2.1 Lender-required settlement services (lender selects third-party provider);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.2.2 Lender-required services, title services and required title insurance, and
owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.11.2.3 Government recording charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.12 Analysis confirmed all fees are accurately reflected in the correct tolerance
category on the Good Faith Estimate (GFE) and Final 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;3.5.13 Analysis confirmed lender accurately provided borrower adequate restitution
in the event of tolerance violations and timelines for restitution/document correction were adhered 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;3.5.14 Analysis confirmed loan terms are accurately disclosed between the Good
Faith Estimate (GFE) and Final 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;3.5.15 Analysis confirmed page 3 of the HUD-1 accurately reflects fees disclosed
on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6** **QM / ATR (Qualified Mortgage / Ability to Repay) Dodd Frank Review (Loans with Application Date on or after 01/10/2014)** 

 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1 Ability-to-Repay:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.1 Consultant incorporated checkpoints for the ATR's eight verification
steps for any origination QC work. Consultant had the option to run ATR checks on any transactions subject to QM that fell outside the
ability to meet QM guidelines, whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that was being
tested for QM also had the ability to be screened for ATR if the QM testing fails or the loan was exempt from QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2 Consultant was required to verify all information within the scope of the
eight verification steps before an ATR loan could pass. These eight tests included verifications of any amounts used in the loan consideration
and a page(s) reference to the third party records/documentation/images:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.1 Income and assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.2 Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.3 Monthly qualifying mortgage payment for the proposed loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.4 Monthly qualifying mortgage payment for the simultaneous loan on the same
property payments for taxes, insurance and HOA, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.5 Debts, alimony and child support

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.6 Qualifying monthly DTI and residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.2.7 Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.3 If all of the verifications were made and each of the eight topic areas
was confirmed to agree with the representations made by the lender, and there were no credit exceptions to the lender's guidelines,
the loan passed the ATR test. If any of the conditions failed or the loan lacked the documentation to support the stated values in any
of the areas, affected items were not considered verified and the loan would be subject to failing the ATR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1.4 ATR results were reported as ATR-Pass, ATR-Fail and ATR-Exempt. This is
in addition to the existing credit and compliance related reporting by Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.2 Qualified Mortgage

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.2.1 No Negative Amortization and no interest only payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.2.2 No loan terms to exceed 30 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.2.3 Threshold test for Points and Fees of less than or equal to 3.00% of the
total loan amount (there are five levels of testing including four for loan amounts under $100,000)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.2.4 Only documented verifications were used to qualify the application (all
loans are full documentation)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.3 QM DTI Testing

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.4 TQM Guideline Testing

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.4.1 LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.4.2 DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.4.3 Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.4.4 Reserves

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.4.5 Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.4.6 Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.4.7 Disposable Income

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5 Points and Fees Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.1 All loans seeking QM/TQM status needed to pass the points and fees testing
guidelines. QM Points and Fees testing was done under the same approach as points and fees testing under HOEPA regulations, including
the six components below subject to specific guidance for inclusion or exclusion:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.1.1 Finance charge - Third-party services included, if Consultant was unable
to determine "bona fide" status from normal file documentation. Exceptions may have required additional documentation to be
provided. The same treatment goes for "bona fide discount points" if documentation was not present in 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.1.2 Loan originator compensation – Compensation/YSP known at the time
of the consummation was included but Consultant did not review lender or broker compensation programs as part of its QM 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;3.6.5.1.3 Real estate-related 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.1.4 Premiums for credit insurance, credit property insurance, and other insurances
where the creditor is the beneficiary, debt cancellation or suspension coverage 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.1.5 Maximum 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;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.1.6 Prepayment penalty paid in a refinance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.2 In addition, the calculation was built based on the note amount with different
thresholds above the 3.00% level for amounts less than $100,000 adjusted annually:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.2.1 3 percent of the total loan amount for a loan greater than or equal to $100,000

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.2.2 $3,000 for a loan greater than or equal to $60,000 but less than $100,000

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.2.3 5 percent of the total loan amount for a loan greater than or equal to $20,000
but less than $60,000

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.2.4 $1,000 for a loan greater than or equal to $12,500 but less than $20,000

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.2.5 8 percent of the total loan amount for a loan less than $12,500

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.6 QM/ATR Reporting

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.6.1 QM – NonHPML [QM or TQM – Pass / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.6.2 QM – HPML [QM or TQM – Pass / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.6.3 NonQM – Compliant [QM or TQM – Fail, Exempt / ATR – Compliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.6.4 NonQM – Noncompliant [QM or TQM – Fail, Exempt / ATR – Noncompliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.6.5 Not Covered – Exempt [QM or TQM – Exempt / ATR – Exempt]

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.7 HPML Testing – QM APR

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

.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.8 Escrow Requirement

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9 HPML Appraisal Rule

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.1 Three day disclosure from application of the right to a free copy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.2 Written appraisal from certified or licensed appraiser

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.3 Interior inspection

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.4 Delivery of copies no later than 3 days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.5 If the property falls under the 'flipping' definition, a second
appraisal is required and must document:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.6 The difference in the original sales price and the subsequent sales price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.7 Changes in market conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.8 Property improvements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7** **TILA RESPA Integrated Disclosure Statement Of Work** 

3.7.1.ELIGIBILITY

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1. The following criteria were used in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.1. The Application Date was October 3, 2015, or later (the earlier of the date the broker or lender received
the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.2. The Loan Purpose and Property Type included a closed-end mortgage secured by real estate:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.2.1. Purchase

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.2.2. Refinance (Cash Out or Rate Term)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.2.3. Construction and Construction to Permanent Financing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.2.4. SFR, 1-4 Unit, PUD, Condo and Coops (Coop may be excluded based on Client instructions)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.3. The Loan Purpose and Property Type does not include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.3.1. HELOCs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.3.2. Reverse mortgages

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.3.3. Dwellings that were not attached to real property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.4. Mobile homes, where the consumer did not own the land For purposes of determination of Occupancy, TRID applied to loans for owner occupied, second home and vacant land.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.5. Opus CMC applied the standard exemptions from TILA, i.e., business purposes loans, loans for agricultural
purposes and loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1.1.5.1. Please be aware that TILA contained a TRID-specific exemption for certain subordinate lien loans for
the purposes of various types of assistance programs such as down payment or closing cost, property rehabilitation, energy efficiency
or foreclosure avoidance or prevention. Opus CMC will not test such loans for TRID compliance  **<u>.</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2. TRID COMPLIANCE REVIEW– LOAN ESTIMATE (″LE″)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.1. INITIAL LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.1.1. Verification of compliance with timing requirements as to whether the Initial LE was delivered within
three (3) business days from the Application Date. The Initial LE used the delivery date to calculate the earliest closing Consummation
Date (no less than seven (7) business days from the delivery of the Initial LE). The delivery date was the date the creditor hand delivered
the disclosures or placed the disclosures in the mail, 1026.19(e)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2. REVISED LEs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1. If there was a revision to the LE, validated that the Revised LE was provided within three (3) days
of COC, BRC or interest rate lock. Review was necessary for sufficient information to establish one of the six (6) valid reasons to reset
tolerance fees set forth in TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.1. Changed Circumstance affecting settlement charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.2. Change Circumstance affecting eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.3. Revisions requested by the consumer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.4. Interest rate dependent charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.5. Expiration of the LE and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.6. Delayed settlement date on a construction loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.2.2.1.7. Timing Requirement for LE 7 days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3. DETERMINATION OF FINAL BINDING LE

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1. Reviewed and analyzed each LE in file to determine final Binding LE. If there was a change in loan terms,
change in interest rate or increase in charges subject to variances without valid reason for a Revised LE as set forth above, findings
will be cited. If a Revised LE was issued without a valid reason, the previous valid LE would be considered the Binding LE for the purposes
of comparison with the Closing Disclosure. [Also see Variance Tests and Closing Disclosure for COC/BRC events disclosed after issuance
of Initial CD]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.1. Verification of compliance with timing requirements that there have been no loan estimates provided
to the borrower after a Closing Disclosure has been delivered, and whether the Final LE was provided at least four (4) business days prior
to the closing Consummation Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.2. If the LE does not contain a signature line for the consumer's confirmation of receipt, then OPUS
will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement
and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.3. Verification that the correct form was used and all sections of the Initial LE are completed (no blanks,
"NA's" or incomplete sections) and the Initial LE was accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.3.1. Verification of the technical formatting of the LE was NOT included in the standard review. The formatting
of the document was the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.3.2. General loan information and loan terms sections completed and formatting was accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.3.2.1. Verified loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.3.2.2. Verified all applicants applying for credit, as disclosed on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.4. "Can this amount increase after closing?" and "Does the loan have these features"
sections were completed and were accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.5. If rate was locked, were lock expiration date, time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.6. Settlement charges good through date, time and time zone disclosed with minimum of 10 days during which
borrower was permitted to shop knowing fees were locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.7. Projected Payments and Estimated Taxes, Insurance & Assessments sections were complete and accurate
based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.8. The Closing Costs and Cash-to-Close sections were complete and accurate based on the information provided
on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.9. Fees disclosed properly (alphabetical order within Section with certain exceptions, and all title fees
start with ″Title – ″) in Closing Cost Details section.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.9.1. It is recommended that an Itemization of Fees was provided for any fees disclosed as "Aggregate".
It is quite difficult to determine if the fees were disclosed properly without this information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.10. Any addenda found in file listing ADDITIONAL fees for sections other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.11. If Interest Only Payments, Optional Payments, Step Payments, or Seasonal Payments, was Adjustable Payment
(″AP″) Table disclosed and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.12. If ARM or Step Rate, was Adjustable Interest Rate (″AIR″) Table disclosed and accurate based
on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.13. The Comparison section was complete.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.14. Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.3.1.15. Other Considerations Section was complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.4. WRITTEN LIST OF PROVIDERS

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.4.1. If the lender places fees in the Services You Can Shop For category, verified that the file contains
a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must include at least one
available provider for each service and state the consumer may choose a different provider for that service. If a written list of service
providers was not provided, the fees will be treated as a 10% Tolerance fee but a finding for missing service provider list will be noted.
If a written list of service providers was provided outside of three (3) days of the application date, the fees was treated as a 10% Tolerance
fee but a finding for a service provider list being provided outside of three (3) days from application was noted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5. VARIANCE TESTS

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1. Utilized one (1) of the following Variance Categories in performing variance tests:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.1. Zero Tolerance/Variance\* - A finding was cited if any charges increase from the Binding LE to the Final
CD without COC or BRC. Such increases included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.1.1. Fees paid to the lender, broker or an affiliate of either lender or broker [except fees paid to an affiliate
of the lender for services NOT required by the creditor are not subject to tolerance/variance per CFR 1026.19(e)(3)(iii)(E)];

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.1.2. Fees paid to an unaffiliated third party if the lender did not permit the borrower to shop for servicer;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.1.3. Transfer taxes.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.1.4. Lender Credits

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.2. 10% Tolerance/Variance\* – A finding was cited if the aggregate of the charges increased by more
than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but not charged/reflected on the
Final CD, the fee was removed and not considered in calculating the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases
included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.2.1. Recording fees; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.2.2. Charges for third party services not paid to creditor or affiliate AND borrower permitted to shop for
service but selected a provider on the creditor's Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.2.3. Prepaid mortgage insurance was treated as a 10% tolerance fee if it can be shopped for (and not identified
as an affiliate), otherwise it was treated as a zero tolerance fee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.3. No Tolerance/Unlimited – No finding was cited if any of the charges change from the Binding LE
to the Final CD, provided that the disclosed amount on the LE was based on information reasonably known to the creditor at the time of
disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.3.1. Prepaid interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.3.2. Property insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.3.3. Impounds/Escrows;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.3.4. Charges for services required by the creditor but the borrower was permitted to shop for and borrower
selects a third party provider not on the lender's Written Service Provider List; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.3.5. Charges for third party services NOT required by the creditor (even if paid to an affiliate of the creditor).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.4. Notes of interest for "No Tolerance/Unlimited":

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.4.1. Prepaid property taxes charged by local and state governments periodically had no tolerance under the
general 'best information reasonably available' standard unless otherwise instructed by the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.4.2. As noted above, Opus CMC reviewed the loan file for evidence the disclosure was not made in "Good
Faith". "Good faith" meant the creditor made the estimate based on the information reasonably available to them at the
time the LE was provided. Absent such evidence, Opus CMC considered the disclosures made in "good faith". Two examples where
a disclosure would be considered not made in "good faith" and a finding cited were:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.4.2.1. The creditor required homeowner's insurance but fails to include a homeowner's insurance
premium, a finding would be added that the LE was not issued in good faith.

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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;3.7.5.1.4.2.2. The creditor knew the loan must close on the 15<sup>th</sup> of the month but estimates prepaid interest
to be paid from the 30<sup>th</sup> of that month, a finding would be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.5. Other Variance Notes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.5.1. Additionally, if a documented valid COC or BRC occurs resulting in a change to loan terms, settlement
charges or interest rate within four (4) business days of consummation, the variance test was performed based on the revised amounts disclosed
on the initial CD (or subsequent CD if change occurs after initial CD has been provided) provided that the change was related to the COC
or BRC per Comment 19(e)(4)(ii)-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.5.2. For loans with no Interim LE and no COC or BRC occurring four (4) days prior to consummation, fees and
charges on the CD were tested for compliance with permitted variances against fees disclosed on Initial LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.5.3. For loans with an Interim LE, the following procedures was applied:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.5.3.1. Review of each Interim LE and fees and charges on the CD were tested for compliance with variance thresholds
against fees supported by a valid COC or BRC related to the charge that increased

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.1.5.3.2. In cases where an Interim LE was issued with several fee increases, but only some were supported by
or related to a valid COC or BRC, those fees which were not supported by or related to a valid COC, BRC or disclosed on an LE that were
not provided timely (within three (3) business days of changed circumstance) was tested for variance using the amounts disclosed in the
Initial LE previously valid LE.

TRID COMPLIANCE REVIEW – CLOSING DISCLOSURE (″CD″)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.2. Opus CMC conducted a general CD review and verified the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.3. Recommendation: Closing Disclosure provided at closing was marked "Final." Although this
was not a requirement, marking the Closing Disclosure as Final will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.4. That the correct form was used and all sections of the CD were completed (no blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.5. Acknowledgement of receipt by all borrowers with a right to rescind under 1026.23 by verifying that
each borrower with a right to rescind was provided with a copy of the CD. This could include the non-borrowing spouse. Acknowledgement
was based on lender guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.6. If the CD does not contain a signature line for the consumer's signature, OPUS looked for the
required alternative statement in "Other Disclosures" with the heading of "Loan Acceptance". While not required,
Opus CMC highly recommended that the client require the CD to be signed and dated by the consumer as it would ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.7. If a subsequent CD was issued having changes to (a) the loan product which affects disclosed terms and
loan information; (b) the addition of a prepayment penalty; or (c) an APR which exceeded the previously disclosed APR by more than the
permitted tolerances for accuracy, OPUS would test that the borrower was given an additional three (3)-business day waiting period from
the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty addition; or (c) the APR, and that the final
pre-close CD was received by borrower by consummation.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8. On the final CD the following checks and limitations apply:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.1. Verification of the technical formatting of the CD was out of scope in the standard review. The formatting
of the document was the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.2. Closing, Transaction and Loan Information sections have been completed with accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.3. Loan terms sections were completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.3.1. Opus CMC verified loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.3.2. Opus CMC verified all applicants applying for credit, were disclosed on the application, were listed
on the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.4. "Can this amount increase after closing?" and "Does the loan have these features"
sections were completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.5. Projected Payments and Estimated Taxes, Insurance & Assessments sections were completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.6. Fees have been disclosed properly (alphabetically, correct buckets and all title fees start with ″Title
– ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.7. Any addenda found in file listing ADDITIONAL fees for sections other than Section C (Services You Can
Shop For).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.8. Calculating Cash to Close table completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.9. Summaries of Transaction section completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.10. Loan Disclosures section complete:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.10.1. CD Assumption, Demand Feature, Negative Amortization, and Partial Payments sections completed properly
(at least and only one box selected).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.10.2. Late Payment completed properly (terms disclosed and accurate per note).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.10.3. Escrow Amount section completed properly (only one box selected and amounts 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;3.7.5.8.10.3.1. Escrow Property Costs over Year 1 to be calculated per the payments scheduled to be made in a 1 year
period after consummation (1026.38)I)(7)(i)(A)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.11. Non-Escrowed Property Costs over 1 Year to be calculated using either 11 or 12 months as determined
by client. (1026.38)(I)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.12. If Interest Only, Optional Payments, Step Payments, or Seasonal Payments, was Adjustable Payment (″AP″)
Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.13. If ARM or Step, was Adjustable Interest Rate (″AIR″) Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.14. Loan Calculations section complete and accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.14.1. Total of Payments were accurate per 1026.38(o)(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;3.7.5.8.14.1.1. Include fees in section A, B, and C that were paid by the borrower as well as the seller or other if
those fees were customarily paid by the borrower.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.14.2. Capture amounts disclosed in Loan Calculations section and test for TILA tolerance violations on disclosed
APR and Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.14.3. Total Interest Percentage (TIP) accurate with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.15. Other Disclosures section complete with at least one choice selected were applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.15.1. Review for the creditor's selection of one of the two options in the Liability After Foreclosure
section, but will not make an independent judgment whether or not the selection was correct for the property state. Only issue a condition
if either no selection was made or if both selections were made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.16. Contact Information section was complete with information from the each party of the transaction provided
as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.5.8.17. Rounding rules verified as per 1026.38(t)(4). Rounding on all percentages except APR had percentages
truncated so that a zero was not disclosed in the last decimal place (7.250 should be rounded to 7.25).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6. TRID METHOD OF RECEIPT OF LE AND CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.1. Determined the method of receipt of the revised LE and CD and performed a compliance test with timing
requirements. For purposes of the review and verification, the date the borrower was deemed to have received the disclosure(s) was based
on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.1.1. In Person: borrower signature date was used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.1.2. Electronic\* - No Receipt Confirmation in File: three (3) business days from later of document issue
date or proof of e-delivery date was used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.1.3. Electronic\* - With Receipt Confirmation in File, date of receipt confirmation was used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.1.4. Electronic\*-Delivery confirmation of an email, assuming the borrower(s) have consented to electronic
delivery.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.1.5. Mail (USPS or other parcel delivery service) – No Receipt Confirmation in File: three (3) business
days from later of document issue date or proof of mailing date is used. Delivery confirmation, i.e., confirmation that documents were
delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constituted evidence
of delivery, not receipt, for the purposes of the receipt requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.1.6. Mail (USPS or other parcel delivery service) – With Receipt Confirmation in File: date of receipt
confirmation was used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature
receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes
of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other
method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted
above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt were considered unknown,
requiring an additional three (3) days from the date the non-borrower received the documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.6.2. \*NOTE: If disclosures were sent electronically, a finding will be cited if there was no evidence in
the file that the borrower consented to receive disclosures electronically. Default to the three (3) business day mail rule for delivery
without the proper documentation of borrower consent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7. OTHER RECOMMENDED TRID COMPLIANCE TESTS

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.1. Applied the following additional compliance tests which were included in the recommended review scope
resulting from the 2015 CFPB Amendments:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.2. Use of TRID forms prior to TRID effective date: a finding was cited if the new TRID forms were utilized
on a loan with an application received prior to the October 3, 2015 effective date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.3. Use of TRID forms on loans not covered by TRID: a finding was cited if the new TRID forms were utilized
on loans not covered by TRID (i.e., HELOC, i.e. reverse mortgages, i.e. Chattel Dwelling loans (loans on mobile homes that were not also
secured by the underlying real property or loans on houseboats).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.4. Your Home Loan Toolkit: a finding was cited if the new Your Home Loan Toolkit Disclosure or evidence
the disclosure was delivered or placed in the mail is not in the file or was not provided to the borrower within three (3) business days
of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.5. Consummation Date: Consummation varied by applicable state law and the term was not often clearly defined.
Accordingly generally use the notary date. If there were multiple borrowers and they do not all sign the documents on the same day, then
use the latest signature date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.6. Post-Consummation Disclosures: TRID review scope did not include testing for compliance with the following
post-consummation disclosures under TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.6.1. Escrow Closing Notice; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.7.6.2. Mortgage servicing transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8. SUBSEQUENT CHANGES AFTER CONSUMMATION

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.1. The following prescribed cures were set forth in section 1026.19 (f)(2)(iii) through (v) were acceptable
for changes and corrections to the Final CD after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.1.1. 1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.1.1.1. If within 30 days of consummation, an event in connection with the settlement of the transaction occurred
that caused the final CD to become inaccurate and such inaccuracy resulted in a change to an amount actually paid by the borrower(s) from
the amount disclosed, tested for evidence that a new, corrected CD is delivered or placed in the mail to the borrower within thirty (30)
days of receiving information that an event occurred.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.1.2. 1026.19(f)(2)(iv) – Changes due to clerical errors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.1.2.1. Non-numeric clerical errors, for the purpose of this scope document were any error not related to a
disclosed dollar amount or percentage. Test for evidence a new, corrected CD is delivered or placed in the mail to the borrower within
sixty (60) calendar days of consummation. Examples of non-numeric clerical errors include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.1.2.1.1. Corrections to the closing information 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;3.7.8.1.2.1.2. Corrections to the transaction information 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;3.7.8.1.2.1.3. Corrections to loan id # or MIC #.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.1.2.1.4. Corrections to non-numeric identifiers in the Estimated Taxes, Insurance & Assessments 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;3.7.8.1.2.1.5. Corrections to the fee labels and/or order 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;3.7.8.1.2.1.6. Corrections to the location of the fee(s).

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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;3.7.8.1.2.1.7. Corrections to missing cure language.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.1.2.1.8. Corrections to the "Did This Change" section of Calculating Cash to Close.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.1.2.1.9. Corrections to the Loan Disclosures 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;3.7.8.1.2.1.10. Corrections to non-numeric items in the Escrow Account 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;3.7.8.1.2.1.11. Corrections to the Other Disclosures 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;3.7.8.1.2.1.12. Corrections to the Contact Information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.1.3. 1026.19(f)(2)(v) – Refunds related to the good faith analysis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.1.3.1. Test for evidence such as a copy of the refund check, a new corrected CD, and evidence the creditor
delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.2. A post-consummation CD was understood to be a re-issued CD with a Date Issued represented as the date
the post-consummation CD was issued. Corrections to the final pre-close CD should not be accepted as a post-consummation CD noted in the
prescribed cures above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8.3. Errors on LE's and Interim CD's and numeric errors on final CD's which did not have
prescribed cures as per the regulation were reported as having been cured. The assessment of risk and decision to accept a finding that
did not have a prescribed cure was the responsibility of the purchaser of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.8** **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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.1 Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.1.1 Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.1.2 Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business
days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.2 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;&nbsp;&nbsp;&nbsp;&nbsp;3.8.2.1 Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.2.2 Confirm the Home Loan Tool Kit is provided within three general business days of 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;3.8.3 Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.3.1 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;&nbsp;&nbsp;&nbsp;&nbsp;3.8.3.2 Confirm the Affiliated Business Disclosure provided within three general
business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days,
as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party
services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.3.3 Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.4 Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.4.1 Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.4.2 Confirm the Initial Escrow Disclosure Statement was provided at closing
or within 45 days after settlement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.9** **National Flood Insurance Program (NFIP)** 

 

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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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.10** **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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.1 Frequency – Payable with same frequency as payments designated for
the loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2 Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.1 Loan is an extension of credit primarily for business, commercial or agricultural
purposes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.2 Loan is in a subordinate position to a senior lien secured by the same residential
improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3 Flood Insurance coverage for the residential real estate is provided by
a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3.1 Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3.2 Provided by a condominium association, cooperative or other applicable group
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3.3 The premium for which is paid by the condominium associate, cooperative,
homeowners association, or other group as a common expense.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.11** **Regulatory Compliance Disclaimer** 

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.12** **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 was 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.** **High Cost - State & Local Anti-Predatory Regulations:** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.1** Arkansas Home Loan Protection Act, AR. Stat. Ann. § 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2** California Anti-Predatory Lending Statute, CA. Fin. Code § 4970 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.3** California Higher Priced Mortgage Loan Statute, CA. Fin Code § 4995
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.4** Colorado Consumer Equity Protection Act, CO. Rev. Stat. § 5-3.5-101
et seq. and as amended by Senate Bill 216 (2007) and House Bill 1322 (2007)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.5** Colorado Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.6** Connecticut Abusive Home Loan Lending Practices Act, CT. Stat. Ann. §36a-746
et seq. and the Responsible Lending and Economic Security Act, CT. House Bill 5577 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.7** Connecticut Nonprime Home Loan Statute, CT. Gen. Stat. §§ 36a-760
et seq. (as originally enacted and as amended by Senate Bill 949.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.8** District of Columbia Home Loan Protection Act of 2002, D.C. Official Code
§ 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. and DC Mortgage Disclosure Act of 2007.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.9** Florida Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.10** Georgia Fair Lending Act, GA. Stat. Ann. § 7-6A-1 et seq. (as originally
enacted by House Bill 02-1361 and as modified by Senate Bill 03-53)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.11** Idaho Residential Mortgage Practices Act, ID. Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.12** Illinois High Risk Home Act, IL. Comp Stat. tit. 815, §§137/5
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.13** Illinois High Risk Home Loan Regulations, 38 IL. Admin. Code § 345.10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.14** Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.15** City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal
Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.16** Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864
(2001) as amended by Illinois SB 1167 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.17** Indiana Home Loan Practices Act, IN. Code § 24-9-1-1 et seq. and as
amended by 2005 In. P.L. 141 § 6 P2013-011.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.18** Kansas Consumer Credit Code, KS. Stat. Ann. § 16a-1-101 et seq. Sections
16a-1-301, 16a-3-207 and 16a-3-308a.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.19** Kentucky Anti-Predatory Lending Statute, KY. Rev. Stat. § 360.100 et
seq. and as amended by KY. House Bill 552 (2008).

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.20** Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages,
9A ME. Rev. Stat. Ann. §§ 8-101; 8-103(1); 8-206(8); 8-206A and ME. Legislative Document 1869 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.21** Maryland Commercial Law, MD. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1;
12-1029 and as amended by MD. Senate Bill 270 (2008) and Maryland Regulations under the MD. Mortgage Lender Law (2009).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.22** Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under
the MD. Mortgage Lender Law, MD. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; MD. Code Regs. §§ 09.03.06.01 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.23** Massachusetts High Cost Mortgage Regulations, 209 CMR § 32.32 et seq.
including MA. House Bill 4387 (2008) 20. MA. Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.24** Massachusetts Regulations for Higher Priced Mortgage Loans, 209 MA. Code
Regs. §§ 32.00

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.25** Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter
183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.26** Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00
(15-17).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.27** Michigan Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.28** Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et
al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.29** Nebraska Mortgage Bankers Registration and Licensing Act, NE. Stat.§
45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.30** Nevada Anti-Predatory Lending Law, NV. Rev. Stat. § 598D.010 et seq.
and as amended by AB 440 and 492.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.31** New Jersey Home Ownership Security Act of 2002, NJ. Stat. Ann. § C:46:10B-22
et seq. and as amended by PL. 2004, Ch. 84 § 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.32** New Mexico Home Loan Protection Act, NM. Stat. Ann. § 58-21A-1 et seq.
and as amended by Senate Bill 342 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.33** New York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.34** New York High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented
by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-l (2003) and 6-m (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.35** North Carolina Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-1.1A
to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) and
as amended by House Bill 1817 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.36** Ohio Anti-Predatory Lending Statute, OH. Rev. Code Ann. §§ 1349.25
to 1349.37and § 1.63 and as amended by S.B. 185.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.37** City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance
No. 72-2003.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.38** Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.39** Oklahoma Higher –Priced Mortgage Loans Law, OK. Admin. Code §§
160:45-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.40** Pennsylvania Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann. §
456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.41** City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance
No. 245, Chapter 2006-33 as amended.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.42** Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI. Gen.
Laws. §§ 34-25.2-1 et seq., including the Emergency and Final Regulations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.43** South Carolina High-Cost and Consumer Home Loans Act, SC. Code § 37-23-10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.44** South Carolina Consumer Protection Code, SC. Code 37-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.45** Tennessee Home Loan Protection Act, TN. Code Annotated §§ 45-20-101
et seq., Title 47 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.46** Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.47** Texas Constitution, Section 50(a)(6), Article XVI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.48** Utah Residential Mortgage Practices Amendments, UT. Code Ann. § 61-
2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.49** Utah High Cost Home Loan Act, UT. Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.50** Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.51** Virginia Mortgage Lender and Broker Act (for loans originated prior to July
1, 2003), VA. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.52** Virginia Mortgage Lender and Broker Act (for loans originated after July
1, 2003), VA. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.53** Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter
108, Laws of 2008.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.54** Wisconsin Responsible High Cost Mortgage Lending Act, WI. Stat. § 428.202.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.55** West Virginia Residential Mortgage Lender, Broker and Servicer Act, WV.
Code § 31-17-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.56** Wyoming Credit Code, WY. Stat. Ann. §§ 40-14-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.** **Misrepresentation and Third Party Product Review** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.1** **Misrepresentation Review**. The Misrepresentation may have included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.1 Signatures

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.2 Alerts

Assessed credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.3 Social Security Numbers

Compared SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.4 Document Integrity

Reviewed for apparent alterations to loan documents. To the extent imaged or hard copy files were provided, Consultant utilized reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.5 Data Consistency

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.6 Third Party Fraud Tools

To the extent a third party fraud tool was contained in the loan file, the Consultant ensured high level or critical warnings were reviewed and addressed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.2** **Independent Third Party Values** 

Reviewed 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 appled the appropriate rating agency grade after reviewing the required valuation products.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.1 For loans seasoned less than 12 months a retroactive desk review was generally
ordered. If the retroactive desk review supports the origination appraised value within a 10% variance no additional products will be
required. If the retroactive desk review does not support the original appraised value within a 10% variance, a secondary valuation product
such as a field review or drive-by appraisal was required. If the loan was seasoned more than 12 months generally a BPO was ordered. The
seasoning and products were adjusted to meet specific rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2 Consultant will also perform the following steps

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1 Based on review of the original appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.1 Property was complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.2 Value was based on as-is condition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.3 Property was described as average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.4 No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.5 Appraisal addressed any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.2 Appraisal was completed on appropriate GSE Form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.2.1 Appraisal contains required attachments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.3 Appraiser was appropriately licensed at the time the appraisal was signed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.3 If the valuation vendor did not supply the updated valuation product directly
to the Consultant, the Client authorized 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.4 Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.4.1 The individuals performing the above procedures were 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.4.2 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.4.3 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.4.4 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.3** **Payment History and Servicing Comments** 

If a loan was seasoned more than 12 months, the Client provided payment histories and servicing comments for (i) 36 months, or (ii) the time period required by the rating agencies. The Consultant reviewed the provided payment histories and comments to determine the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.1 – Timely payment posting

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.2 – Request for modification

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.3 – Property condition issues

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.4 – Change in occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.5 – Change in ability to pay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.6 – Other items impacting the enforcement of the lien

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.4** **Title Reports** 

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.4.1 If the loan was seasoned over 24 months Consultant facilitated the ordering
of title reports. Consultant and client agreed the vendor providing the title reports was responsible for issuing a separate 15E.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.4.2 Consultant was not responsible for the accuracy of the title reports, nor
makes any representations or warranties with respect to any of the information contained in the title reports.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.5** **Updated FICO Scores** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.6** **Properties in FEMA declared disaster zones.** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.6.1 No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.6.2 Property appears to be occupied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.** **Data Compare** 

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. Consultant and Client can mutually agree to change the listed fields a review by review basis.

Appraised Value

CLTV

DTI

FICO

Interest Only

Interest Rate

Loan Term

Loan Purpose

LTV

Occupancy

Original Balance

Property Address

Property City

Property State

Property Type

Sales Price

Second Mortgage Lien Amount

Self Employed

Units

Zip Code

Loan Type

QM Status

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**<u>Pool Details</u>**

---

| | | | |
|:---|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |  |
| Type | Count | % of Pool |  |
| Cash out Refi | 2 | 8.33% |  |
| Purchase | 18 | 75.00% |  |
| Rate / Term Refi | 4 | 16.67% |  |
| **Total** | **24** | **100.00%** |  |
| **Property Type** | **Property Type** | **Property Type** | **Property Type** |
| Type | Type | Count | % of Pool |
| Single Family Detached | Single Family Detached | 8 | 33.33% |
| Co-op | Co-op | 0 | 0.00% |
| Condo, Low Rise | Condo, Low Rise | 7 | 29.17% |
| Condo, High Rise | Condo, High Rise | 0 | 0.00% |
| PUD | PUD | 9 | 37.50% |
| 1 Family Attached | 1 Family Attached | 0 | 0.00% |
| 2 Family | 2 Family | 0 | 0.00% |
| 3 Family | 3 Family | 0 | 0.00% |
| 4 Family | 4 Family | 0 | 0.00% |
| **Total** | **Total** | **24** | **100.00%** |
| **Occupancy** | **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Type | Count | % of Pool |
| Primary Residence | Primary Residence | 6 | 25.00% |
| Second Home | Second Home | 0 | 0.00% |
| Investment Property | Investment Property | 18 | 75.00% |
| **Total** | **Total** | **24** | **100.00%** |
| **Product Type** | **Product Type** | **Product Type** | **Product Type** |
| Type | Type | Count | % of Pool |
| Fixed | Fixed | 0 | 0.00% |
| ARM | ARM | 24 | 100.00% |
| **Total** | **Total** | **24** | **100.00%** |

---

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**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;13 | &nbsp;&nbsp;45.83% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;7 | &nbsp;&nbsp;70.83% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;45.83% |
| &nbsp;&nbsp;Initial Interest Rate Cap | &nbsp;&nbsp;18 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;16 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;18 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;58.33% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;13 | &nbsp;&nbsp;45.83% |
| &nbsp;&nbsp;**Total # of loans** | &nbsp;&nbsp;**24** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligor with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

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**<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 |

---

BRAVO 2026-NQMR1

**<u>Property Valuation</u>**

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| | |
|:---|:---|
| &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 |

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| | |
|:---|:---|
| &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 |

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BRAVO 2026-NQMR1

**<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 March 27, 2026.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | | |
| &nbsp;&nbsp;**Overall Final Compliance Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;20 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**Final Compliance Grade (24 loan)** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;20 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**Final Credit Grade (24 loan)** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &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;**Property Grade Summary** |  |  |
| &nbsp;&nbsp;**Final Property Grade (24 loan)** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &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% |

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BRAVO 2026-NQMR1

**<u>Loans Reviewed (24)</u>**

XXXXX XXXXX

XXXXX XXXXX

XXXXX XXXXX

XXXXX XXXXX

XXXXX XXXXX

XXXXX XXXXX

XXXXX XXXXX

XXXXX XXXXX

XXXXX XXXXX

XXXXX XXXXX

XXXXX XXXXX

XXXXX XXXXX

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

BRAVO 2026-NQMR1

## Exhibit 99.10

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Job Number** | **Loan Number** | **Alt ID** | **Final Rating** | **Credit Rating** | **Compliance Rating** | **Property Rating** | **Was Loan Tested** | **Document Used for Testing** | **SOL Expiration** | **Subject to Predatory Lending** | **Loan Guid** |
| XXXXX | XXXXX | 383497 | 1 | 1 | 1 | 1 D A | N |  | N | Y | 682b8af7-502d-49e0-b539-2c0c5dcb19af |
| XXXXX | XXXXX | 787001 | 2 | 1 | 2 | 1 D B A | N |  | N | Y | 269e4c3f-4878-4960-90b6-31ba58edf935 |
| XXXXX | XXXXX | 676844 | 1 | 1 | 1 | 1 D A | N |  | N | Y | 4fd7ec26-00aa-40c9-80c4-3cff4a65f5f0 |
| XXXXX | XXXXX | 347588 | 1 | 1 | 1 | 1 D A | Y | Final HUD used for testing | Y | N/A | 0c3471ad-c124-41bc-98ff-4829c7e4e9a9 |
| XXXXX | XXXXX | 111334 | 1 | 1 | 1 | 1 D A | Y | Final HUD used for testing | Y | N/A | c5fd8514-3414-4d86-af39-5f86d0f46e7d |
| XXXXX | XXXXX | 405019 | 1 | 1 | 1 | 1 D A | N |  | Y | Y | 697d4271-ab40-4ba2-afef-6947fa44021e |
| XXXXX | XXXXX | 265745 | 1 | 1 | 1 | 1 D A | N |  | Y | Y | 105f4d59-8334-4f81-9116-7bcac5f08890 |
| XXXXX | XXXXX | 733825 | 1 | 1 | 1 | 1 D A | Y | Final HUD used for testing | Y | N/A | 750551a9-6f3a-44a7-b4d8-874e98928cfb |
| XXXXX | XXXXX | 967645 | 1 | 1 | 1 | 1 D A | N |  | Y | Y | abfea0e0-7a20-48e2-9d90-89472c00f247 |
| XXXXX | XXXXX | 224962 | 1 | 1 | 1 | 1 D A | Y | Final HUD used for testing | Y | N/A | f8489ef9-5b61-4027-821b-89fbcbcb4d6c |
| XXXXX | XXXXX | 545086 | 1 | 1 | 1 | 1 D A | Y | Final HUD used for testing | Y | N/A | f05769b3-0bed-4569-89da-af2f77dd6090 |
| XXXXX | XXXXX | 814919 | 1 | 1 | 1 | 1 D A | Y | Final HUD used for testing | Y | N/A | 93c4f844-2118-45c7-9c06-b02feab7d518 |
| XXXXX | XXXXX | 497080 | 1 | 1 | 1 | 1 D A | N |  | Y | Y | 41d5af5a-946b-42c4-9622-c6ec828dd044 |
| XXXXX | XXXXX | 302618 | 1 | 1 | 1 | 1 D A | N |  | Y | Y | ac20a0ae-c8fd-4bbb-878f-cac1f43c13c8 |
| XXXXX | XXXXX | 459220 | 2 | 1 | 2 | 1 D B A | N |  | Y | Y | a6a05af7-61df-4c59-8eb2-cd876d4ebc15 |
| XXXXX | XXXXX | 418653 | 1 | 1 | 1 | 1 D A | N |  | Y | Y | ccdf045f-17ee-4ebc-a2e4-d382da701593 |
| XXXXX | XXXXX | 700596 | 1 | 1 | 1 | 1 D A | Y | Final HUD used for testing | Y | N/A | eb2d62cc-fbe1-482a-83ab-dacec17633bd |
| XXXXX | XXXXX | 241520 | 1 | 1 | 1 | 1 D A | Y | Final HUD used for testing | Y | N/A | ed6993f2-322b-4058-85fc-fc53a994383f |
| XXXXX | XXXXX | 950549 | 1 | 1 | 1 | 1 D A | N |  | N | Y | 0a6c071c-345d-4660-9a63-64fdcb6a1562 |
| XXXXX | XXXXX | 149268 | 2 | 1 | 2 | 1 D B A | N |  | N | Y | 56bcc4c1-9430-4b61-8eac-73f1f86c8006 |
| XXXXX | XXXXX | 438638 | 1 | 1 | 1 | 1 D A | N |  | N | Y | 4372148d-fa0d-4bd4-8c59-7bb837bdbb10 |
| XXXXX | XXXXX | 420739 | 2 | 1 | 2 | 1 D B A | N |  | N | Y | 86b66e03-e6c9-4032-869c-91dffba144ad |
| XXXXX | XXXXX | 565465 | 1 | 1 | 1 | 1 D A | N |  | N | Y | 4178e704-25ad-43ac-9041-a66f10a15941 |
| XXXXX | XXXXX | 988690 | 1 | 1 | 1 | 1 D A | N |  | N | Y | 7e769d28-be95-4c8c-9fb7-e55ee92338a9 |

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## Exhibit 99.10

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Alt ID** | **Deal #** | **Exception ID** | **Loan Status** | **Originator QM/ATR Status** | **TPR QM/ATR Status** | **Finding Group** | **Status** | **Category** | **Finding Name** | **Initial Comment** | **Client/Seller Reponse Comments** | **Conclusion Comment** | **Compensating Factors Merged** |
| XXXXX | 733825 | XXXX-XXX | 9ca8f654-06db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 700596 | XXXX-XXX | dda92e8f-5090-e911-bdd2-f4e9d4a75ba2 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Compliance | Cleared A | Compliance | Missing Rate Lock Agreement | Missing evidence of original lock date. Compliance testing will need to be reviewed once received. |  | 7/9/19 - Finding cleared - Rate lock provided. |  |
| XXXXX | 700596 | XXXX-XXX | 3157a984-20db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 545086 | XXXX-XXX | 79efd161-05db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 224962 | XXXX-XXX | badaadf3-0391-e911-bdd2-f4e9d4a75ba2 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Credit | Cleared A | Credit | Failure to Obtain Hazard Insurance Declaration | A hazard insurance declaration for the subject property was not provided. |  | 7/9/19 - Finding cleared. Dec page provided | DTI is lower than guideline maximum 26.58% < 45% max allowed Full Documentation Full Doc <br> Loan Reserves are higher than guideline minimum 248.40 months > than 12 months required |
| XXXXX | 224962 | XXXX-XXX | 23174adc-1ddb-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value | DTI is lower than guideline maximum 26.58% < 45% max allowed Full Documentation Full Doc Loan Reserves are higher than guideline minimum 248.40 months > than 12 months required |
| XXXXX | 111334 | XXXX-XXX | 6c6233b8-1691-e911-bdd2-f4e9d4a75ba2 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Credit | Rescind A | Credit | Insufficient Credit Score | Credit score of 622 < 660 the minimum credit score per lender guidelines. | Subject loan program is Direct 360. No credit score is required. | 7/5/19 - Finding rescinded. Loan underwritten as Direct 360 program and no credit score is required. | Full Documentation Full doc loan DTI is lower than guideline maximum 22.23% < 45% max allowed Reserves are higher than guideline minimum 85.30 months greater than the 12 months required |
| XXXXX | 111334 | XXXX-XXX | 208aad22-09db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value | Full Documentation Full doc loan DTI is lower than guideline maximum 22.23% < 45% max allowed Reserves are higher than guideline minimum 85.30 months greater than the 12 months required |
| XXXXX | 814919 | XXXX-XXX | f8d53239-09db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 241520 | XXXX-XXX | 501641c5-1fdb-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 347588 | XXXX-XXX | 3c35cd27-1edb-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 967645 | XXXX-XXX | 00ca0bb4-20db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 265745 | XXXX-XXX | 42cddcdc-07db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 302618 | XXXX-XXX | 2fb3ba8f-06db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 497080 | XXXX-XXX | 080faa81-1fdb-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 418653 | XXXX-XXX | 090c936b-1ddb-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 459220 | XXXX-XXX | 6ed774b9-b199-459d-ad25-9a745017eacc | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Compliance | Acknowledged B | Compliance | Written List of Service Providers not found or did not disclose at least one available provider for each service you can shop for. | WLSP is not found in the file. No Cure |  | &nbsp;&nbsp;&nbsp;&nbsp;06/19/2019: This finding is deemed non-material and will be graded a B for all agencies. |  |
| XXXXX | 459220 | XXXX-XXX | 80881a9e-f5a3-4b60-90fe-3ed5bf0d7888 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Compliance | Acknowledged B | Compliance | CD Document does not match actual calculated values for Principal & Interest | The final Closing Disclosure does not reflect a Principal & Interest payment amount for Years 6-30 vs. actual Years 6-30 amount of $X,XXX.XX - $X,XXX.XX. Provide corrected CD, letter of explanation, proof of delivery and re-open rescission, if applicable. |  | &nbsp;&nbsp;&nbsp;&nbsp;06/19/2019: This finding is deemed non-material and will be graded a B for all agencies. |  |
| XXXXX | 459220 | XXXX-XXX | ffc385a1-9073-4e46-bfd0-dc9619dbfa56 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Compliance | Acknowledged B | Compliance | CD Document does not match actual calculated values for Estimated Total Monthly Payment | The final Closing Disclosure does not match actual calculated values for Estimated Total Monthly Payment. The CD is missing date range column for years 6-30 which should be reflected as Years 6-30 $X,XXX.XX - $X,XXX.XX. |  | &nbsp;&nbsp;&nbsp;&nbsp;06/19/2019: This finding is deemed non-material and will be graded a B for all agencies. |  |
| XXXXX | 459220 | XXXX-XXX | dc6d6da4-03db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 405019 | XXXX-XXX | 2f0b823b-1fdb-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 383497 | XXXX-XXX | 279afae0-1edb-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 787001 | XXXX-XXX | 0956fa04-a461-4fe2-9328-604a7bb8374c | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Compliance | Acknowledged B | Compliance | Missing E Consent Disclosure | Missing the Borrower's Consent to Receive Communications Electronically. Provide E Consent disclosure for the borrower. No Cure |  | &nbsp;&nbsp;&nbsp;&nbsp;06/19/2019: This finding is deemed non-material and will be graded a B for all agencies. |  |
| XXXXX | 787001 | XXXX-XXX | 9101469f-20db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 676844 | XXXX-XXX | b0c077ac-1adb-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 9/30/2019 - CDA obtained supports value |  |
| XXXXX | 420739 | XXXX-XXX | da3066c4-494a-4014-9f65-ab75ae5ce10e | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Compliance | Acknowledged B | Compliance | Estimated Taxes,Insurance & Assessments "Other" is checked but no description was provided. | The Estimated Taxes, Insurance & Assessments section's "Other" box, on the CD, is checked but no description was provided. NOT IN ESCROW: Provide a Letter of Explanation and Re-Disclose Correct Information. |  | Non-material per SFIG guidance, loan will be graded a B for all agencies. |  |
| XXXXX | 420739 | XXXX-XXX | bda03012-92f9-4c8e-a8e0-e1257128a73c | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Compliance | Acknowledged B | Compliance | Closing Disclosure document error | The Re-inspection fee is reflected in section H of the final Closing Disclosure. The borrower shopped for their own title service provider and did not use the provider on the WLSP. The Re-inspection fee should be listed in section B of the CD. Provide corrected CD and letter of explanation to the Borrower. |  | Non-material per SFIG guidance, loan will be graded a B for all agencies. |  |
| XXXXX | 420739 | XXXX-XXX | cd64077f-cbc5-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Compliance | Acknowledged B | Compliance | General Compliance Exception 2 | Compliant HPML Loan |  | Finding added a clients request for notification purposes |  |
| XXXXX | 420739 | XXXX-XXX | 036b68c4-10db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 09/23/2019 - CDA Obtained supports value. |  |
| XXXXX | 988690 | XXXX-XXX | db3ff1ba-22db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 09/23/2019 - CDA Obtained supports value. |  |
| XXXXX | 438638 | XXXX-XXX | 3809ffa1-d0bf-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Credit | Cleared A | Credit | Failure to Obtain Final Application (1003) | A final application executed by the borrower(s) was not provided. |  | 08/30/2019: Lender provided the final application signed and dated by the Power of Attorney. Condition cleared. |  |
| XXXXX | 438638 | XXXX-XXX | 44a454d1-d22d-4d4d-919b-9729abfebcbb | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Compliance | Cleared A | Compliance | Missing Mortgage | Mortgage is missing from the file. |  | 08/30/2019: Lender provided a copy of the signed and dated recorded mortgage. Condition cleared. |  |
| XXXXX | 438638 | XXXX-XXX | 11292546-306a-4460-804d-edae4d2cd0c8 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Compliance | Cleared A | Compliance | Missing Note | Note is missing from the file. |  | 08/30/2019: Lender provided the Note with all addendums. Condition cleared. |  |
| XXXXX | 438638 | XXXX-XXX | 6a64d05e-25db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 09/23/2019 - CDA Obtained supports value. |  |
| XXXXX | 149268 | XXXX-XXX | 217263b8-d3f1-4198-9e5c-a80dffb292e6 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Compliance | Acknowledged B | Compliance | Missing Affiliated Business Disclosure | Missing Affiliated Business Disclosure |  | Non-material per SFIG guidance, loan will be graded a B for all agencies. |  |
| XXXXX | 149268 | XXXX-XXX | de0575ab-09db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 09/24/20219 - CDA Obtained supports value. |  |
| XXXXX | 950549 | XXXX-XXX | 13bf4a6a-66c3-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Credit | Cleared A | Credit | Failure to Verify Housing History | Guidelines require satisfactory housing payment history for 24 months. Payment history not provided on credit report. VOR require to verify for current residence. |  | 08/30/2019: The Lender provided a VOR verifying rental history from XX/XX/XXXX thru XX/XX/XXXX. Previously lived in the property listed as REO 1 on final 1003 and 99 months were verified on the Credit Report, which the Lender also provided. Housing payment history for 24 months verified, condition cleared. |  |
| XXXXX | 950549 | XXXX-XXX | f37aaf68-0cdb-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 09/23/2019 - CDA Obtained supports value. |  |
| XXXXX | 565465 | XXXX-XXX | 934803e1-11db-e911-abc7-f4e9d4a75a52 | Underwriting Complete | Not Covered/Exempt | Not Covered/Exempt | Property | Cleared A | Property | 570 - Review Appraisal Missing | 9/19/2019 No CDA or Field Review. |  | 09/23/2019 - CDA Obtained supports value. |  |

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## Exhibit 99.10

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** |  |  |  |
| **Customer Loan ID** | **ALT ID** | **Original Loan Amount** | **Sale Price** | **Appraisal Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Date** | **Variance Amount** | **Variance Percent** | **Value Used for LTV** | **Estimated Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Confidence Score** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value Updated** | **Value Date** | **Report Type** | **Variance Amount** | **Variance Percent** | **Collateral Underwriter (CU) Risk Score** | **Deal #** | **Reviewer Loan ID** |
| XXXXX | 224962 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 347588 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $XXXXXXX | 1.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 420739 | $XXXXXXX |  | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 700596 | $XXXXXXX |  | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 438638 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 241520 | $XXXXXXX |  | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 418653 | $XXXXXXX |  | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 347588 | $XXXXXXX |  | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 988690 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 241520 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 418653 | $XXXXXXX |  | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 405019 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 347588 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 733825 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 302618 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 988690 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 418653 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $XXXXXXX | -0.61% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 241520 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 988690 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 545086 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 420739 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 224962 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 224962 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX | $XXXXXXX | XX/XX/XXXX | $XXXXXXX | 3.03% | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $XXXXXXX | 3.03% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |
| XXXXX | 265745 | $XXXXXXX | $XXXXXXX | $XXXXXXX | XX/XX/XXXX |  |  |  |  | $XXXXXXX |  |  |  |  |  | $XXXXXXX | XX/XX/XXXX | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX |

---

## Exhibit 99.10

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt ID** | **Channel** | **Rate Lock Date** | **Application Date** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Residual Income** | **Points And Fees** | **Points And Fees Without Reductions** | **APR** | **Qualifying Interest Rate** | **Average Prime Offer Rate** | **GSE Eligibility** | **Opus QM ATR Status** | **S&P QM ATR Status** | **Fitch QM ATR Status** | **Moodys QM ATR Status** | **TRID** | **Client Loan Number** | **Deal #** | **Loan Guid** |
| XXXXX | 383497 | Retail | XX/XX/XXXX | XX/XX/XXXX | Unemployed | Unemployed | US | US | 0 |  |  | 0.05389 | 0.05375 | 4.96 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 787001 | Retail | XX/XX/XXXX | XX/XX/XXXX | Unemployed |  | US |  | 0 |  |  | 0.05573 | 0.055 | 4.96 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 676844 | Retail | XX/XX/XXXX | XX/XX/XXXX | Unemployed | Unemployed | US | US | 0 |  |  | 0.05433 | 0.05375 | 4.96 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 347588 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.04979 | 0.04875 | 3.06 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | No | XXXXX | XXXXX | XXXXX |
| XXXXX | 111334 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.0497 | 0.04875 | 2.81 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | No | XXXXX | XXXXX | XXXXX |
| XXXXX | 405019 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.0498 | 0.04875 | 3.17 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 265745 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.04988 | 0.04875 | 3.23 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 733825 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.04992 | 0.04875 | 2.84 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | No | XXXXX | XXXXX | XXXXX |
| XXXXX | 967645 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.04995 | 0.04875 | 3.23 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 224962 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Permanent Resident Alien |  | $XXXXXX |  |  | 0.04926 | 0.04875 | 2.96 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | No | XXXXX | XXXXX | XXXXX |
| XXXXX | 545086 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.04973 | 0.04875 | 2.91 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | No | XXXXX | XXXXX | XXXXX |
| XXXXX | 814919 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.04956 | 0.04875 | 2.97 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | No | XXXXX | XXXXX | XXXXX |
| XXXXX | 497080 | Retail | XX/XX/XXXX | XX/XX/XXXX | Unemployed | Employed | Foreign National | Foreign National | $XXXXXX |  |  | 0.04935 | 0.04875 | 3.37 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 302618 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.04947 | 0.04875 | 3.23 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 459220 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.04789 | 0.0475 | 3.18 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 418653 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.05001 | 0.04875 | 3.17 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 700596 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.04912 | 0.04875 | 2.9 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | No | XXXXX | XXXXX | XXXXX |
| XXXXX | 241520 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX |  |  | 0.04811 | 0.0475 | 2.98 | No | Not Covered/Exempt | Not Covered/Exempt | Not Covered - Exempt | Not Applicable | No | XXXXX | XXXXX | XXXXX |
| XXXXX | 950549 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Permanent Resident Alien |  | $XXXXXX | 16051 | 16051 | 0.06349 | 0.0675 | 4.82 | No | Non-QM/Compliant | Non-QM/Compliant | Non-QM | NonQM | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 149268 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Non Permanent Resident Alien |  | $XXXXXX | 5456 | 5456 | 0.05997 | 0.0625 | 4.69 | No | Non-QM/Compliant | Non-QM/Compliant | Non-QM | NonQM | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 438638 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Permanent Resident Alien |  | $XXXXXX | 6951 | 6951 | 0.05896 | 0.06125 | 4.75 | No | Non-QM/Compliant | Non-QM/Compliant | Non-QM | NonQM | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 420739 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Permanent Resident Alien |  | $XXXXXX | 4531 | 4531 | 0.06286 | 0.06625 | 4.71 | No | Non-QM/Compliant | Non-QM/Compliant | Non-QM | NonQM | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 565465 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $XXXXXX | 17001 | 17001 | 0.06351 | 0.0675 | 4.79 | No | Non-QM/Compliant | Non-QM/Compliant | Non-QM | NonQM | Yes | XXXXX | XXXXX | XXXXX |
| XXXXX | 988690 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $XXXXXX | 4901 | 4901 | 0.06092 | 0.06375 | 4.79 | No | Non-QM/Compliant | Non-QM/Compliant | Non-QM | NonQM | Yes | XXXXX | XXXXX | XXXXX |

---

## Exhibit 99.10

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan #** | **Alt ID** | **Deal #** | **Data Field** | **Tape Data** | **Review Data** | **Tape Discrepancy Comments** |
| XXXXX | 733825 | XXXX-XXX | DTI | 17.77% | 18.43% | 1008 DTI is 17.776%. Audit used income converted to US currency effective XX/XX/XXXX. |
| XXXXX | 733825 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 733825 | XXXX-XXX | Loan Term | 361 | 360 | Loan term verified with Note. |
| XXXXX | 733825 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 733825 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 733825 | XXXX-XXX | Property Type | 2 Family | Single Family Detached | Appraisal Reflects SFD |
| XXXXX | 733825 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 700596 | XXXX-XXX | DTI | 36.59% | 36.88% | 1008 DTI 36.698%. Rounding |
| XXXXX | 700596 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 700596 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 700596 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 700596 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 700596 | XXXX-XXX | Property Address | Per Tape | Per Data | Address Pulled From Note |
| XXXXX | 700596 | XXXX-XXX | Property Type | 2 Family | Single Family Detached | Appraisal Reflects SFD |
| XXXXX | 545086 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 545086 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 545086 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 545086 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 545086 | XXXX-XXX | Property Type | 2 Family | PUD | Appraisal Reflects PUD |
| XXXXX | 545086 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 224962 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 224962 | XXXX-XXX | CLTV | 59.86% | 60.00% | Rounding |
| XXXXX | 224962 | XXXX-XXX | First Payment Date | Per Tape | Per Data | First Payment Date taken from Note in File. |
| XXXXX | 224962 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 224962 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 224962 | XXXX-XXX | LTV | 59.86% | 60.00% | Rounding |
| XXXXX | 224962 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 224962 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 224962 | XXXX-XXX | Property Type | 2 Family | PUD | Appraisal Reflects PUD |
| XXXXX | 224962 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 111334 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 111334 | XXXX-XXX | First Payment Date | Per Tape | Per Data | First payment date from note in file. |
| XXXXX | 111334 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 111334 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 111334 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 111334 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 111334 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 814919 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 814919 | XXXX-XXX | DTI | 43.79% | 43.58% | All debts taken from credit report dated XX/XX/XXXX |
| XXXXX | 814919 | XXXX-XXX | First Payment Date | Per Tape | Per Data | First payment date taken from note |
| XXXXX | 814919 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Audit Value From Note Rider |
| XXXXX | 814919 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 814919 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 814919 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 814919 | XXXX-XXX | Property Type | 2 Family | Single Family Detached | Appraisal Reflects SFD |
| XXXXX | 814919 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 241520 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 241520 | XXXX-XXX | DTI | 24.26% | 23.70% | 1008 DTI 12.133%. Audit monthly debt figures are based on the most recent credit report in the loan file dated XX/XX/XXXX. |
| XXXXX | 241520 | XXXX-XXX | First Payment Date | Per Tape | Per Data | Audit first payment date from note in loan file. |
| XXXXX | 241520 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.750% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 241520 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 241520 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 241520 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 347588 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 347588 | XXXX-XXX | CLTV | 59.98% | 60.00% | Tape Value is LTV |
| XXXXX | 347588 | XXXX-XXX | DTI | 16.52% | 13.87% | 1008 DTI 16.51%, Lender used estimated taxes and insurance figures. Audit used actual figures based on documentation in the loan file. |
| XXXXX | 347588 | XXXX-XXX | First Payment Date | Per Tape | Per Data | Pulled from note |
| XXXXX | 347588 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 347588 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 347588 | XXXX-XXX | LTV | 59.98% | 60.00% | Tape Value is CLTV |
| XXXXX | 347588 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 347588 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 347588 | XXXX-XXX | Property Type | 2 Family | Single Family Detached | Appraisal Reflects SFD |
| XXXXX | 347588 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 967645 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 967645 | XXXX-XXX | First Payment Date | Per Tape | Per Data | Note |
| XXXXX | 967645 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 967645 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 967645 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 967645 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 967645 | XXXX-XXX | Property Type | 2 Family | Single Family Detached | Appraisal Reflects SFD |
| XXXXX | 967645 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 265745 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 265745 | XXXX-XXX | CLTV | 58.35% | 60.00% | 1st lien of $XXX,XXX / Value of $XXX,XXX = LTV of 60% |
| XXXXX | 265745 | XXXX-XXX | First Payment Date | Per Tape | Per Data | Taken from Note in file |
| XXXXX | 265745 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Taken from Note in file |
| XXXXX | 265745 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 265745 | XXXX-XXX | LTV | 58.35% | 60.00% | 1st lien of $XXX,XXX / Value of $XXX,XXX = LTV of 60% |
| XXXXX | 265745 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 265745 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Taken from Note in file |
| XXXXX | 265745 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 302618 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 302618 | XXXX-XXX | First Payment Date | Per Tape | Per Data | Value from Note. |
| XXXXX | 302618 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 302618 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 302618 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 302618 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 302618 | XXXX-XXX | Property Type | 2 Family | PUD | Appraisal Reflects PUD |
| XXXXX | 302618 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 497080 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 497080 | XXXX-XXX | CLTV | 54.76% | 54.93% | Rounding |
| XXXXX | 497080 | XXXX-XXX | DTI | 17.01% | 15.86% | All debts taken from credit reports dated XX/XX/XXXX, XX/XX/XXXX |
| XXXXX | 497080 | XXXX-XXX | First Payment Date | Per Tape | Per Data | First Payment date taken from note |
| XXXXX | 497080 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 497080 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 497080 | XXXX-XXX | LTV | 54.76% | 54.93% | Rounding |
| XXXXX | 497080 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 497080 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 497080 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 418653 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 418653 | XXXX-XXX | First Payment Date | Per Tape | Per Data | Taken from Note in file |
| XXXXX | 418653 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Taken from Note in file |
| XXXXX | 418653 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 418653 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 418653 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Taken from Note in file |
| XXXXX | 418653 | XXXX-XXX | Property Type | 2 Family | Single Family Detached | Appraisal Reflects SFD |
| XXXXX | 418653 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 459220 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 459220 | XXXX-XXX | First Payment Date | Per Tape | Per Data | First payment date pulled from Note |
| XXXXX | 459220 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.750% | Audit Value From Note Rider |
| XXXXX | 459220 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 459220 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 459220 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.750% | Audit Value From Note Rider |
| XXXXX | 405019 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 405019 | XXXX-XXX | CLTV | 57.83% | 60.00% | Variance in Sales Price |
| XXXXX | 405019 | XXXX-XXX | DTI | 20.24% | 20.30% | 1008 DTI 20.263%, Audit used full PITI for subject property as negative income, <br> Lender figures for subject property are less by $XXXXX |
| XXXXX | 405019 | XXXX-XXX | First Payment Date | Per Tape | Per Data | Note document does not reflect Tape Value |
| XXXXX | 405019 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 9.875% | Audit Value From Note Rider |
| XXXXX | 405019 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 405019 | XXXX-XXX | LTV | 57.83% | 60.00% | Variance in Sales Price |
| XXXXX | 405019 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 405019 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Note Rider |
| XXXXX | 405019 | XXXX-XXX | Property City | Per Tape | Per Data | Verified per Note in file as XXXXXX |
| XXXXX | 405019 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 383497 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 10.375% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 383497 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 383497 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 383497 | XXXX-XXX | Property Type | PUD | Single Family Detached | Appraisal Reflects SFD |
| XXXXX | 787001 | XXXX-XXX | Amortizaton Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 787001 | XXXX-XXX | CLTV | 54.98% | 54.99% | Rounding |
| XXXXX | 787001 | XXXX-XXX | First Payment Date | Per Tape | Per Data | Note Document Does not Reflect Tape Value |
| XXXXX | 787001 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 10.500% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 787001 | XXXX-XXX | Loan Term | 361 | 360 | Note Document Does Not Reflect Tape Value |
| XXXXX | 787001 | XXXX-XXX | LTV | 54.98% | 54.99% | Rounding |
| XXXXX | 787001 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 787001 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |
| XXXXX | 787001 | XXXX-XXX | Sales Price | Per Tape | Per Data | Sales Price Verified on HUD-1/CD |
| XXXXX | 676844 | XXXX-XXX | Initial Interest Rate Cap | 0.000% | 10.375% | Audit Value From Section 4 D 1st Rate Displayed |
| XXXXX | 676844 | XXXX-XXX | Note Date | Per Tape | Per Data | Date Pulled From Note Document In File |
| XXXXX | 676844 | XXXX-XXX | Periodic Rate Cap | 0.000% | 2.000% | Audit Value From Section 4 D Rate in Parenthesis |

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